I hate heated pools, grim.
I love swimming in the sea, rivers , lakes, locks all the year round, I get grumpy, if I don't get in at least once a day,
I only use a wet suit if I'm surfing/water sport in the winter, not for swimming.
it's just what you are use to, I had a childhood in Scotland, Himalayas, any place with mountains (my parents climbed a lot) , I grew up washing and jumping in and out of melt water,
we also lived in the tropics, but I never lost the ability to enjoy cold water, it also to me having lived in both climates, always think of cold water as some how safer, possible as swimming in tropical places there were always a lot of predators and venomous things to deal with,
When I surf here there are no sharks, well none to worry about.
we as humans went through a stage when we lost our hair, this is attributed to us taking to the water, we laid down fat layers instead, we walked upright in the water, cockle picking, shell fish are the easiest most reliable source of protein,
As part of evolution ,we came out of the water, went up the trees, came back down and into the water, lost our hair and learnt to walk up right, we are equipped to deal with cold water, you just have to decide to enjoy it.
once you enjoy it, you need it, very addictive.
I know quite a few people with natural pools, people have the water storage for agriculture anyway, if they are planted correctly, with the right balance of plants they stay crystal clear, and require almost no maintenance.