Cold water temperature varies hugely, and while this isn't scientific, anecdotally, open water swimmers experience it in these bands.
Cold water swimming: a guide to temperature - Outdoor Swimmer Magazine
Winter swimming - Wikipedia
How to acclimatise – Outdoor Swimming Society Outdoor Swimming Society
I survived the cult of cold water - The Boston Globe
Polar bear plunge on New Year's Day? The science on cold water dips is mixed : Shots - Health News : NPR
Guide to safe cold water swimming – Williamstown Open Water Swim Coaching
What Happens to the Body in Cold Water — WILD SWIMMING CORNWALL
Cold-water swimming: What are the real risks and health benefits?
What's the temperature 'sweet spot' for swimming in lakes and rivers? - The Weather Network