Just because it is 32 degrees out does not mean that you cannot go swimming.
Just because it is 32 degrees out does not mean that you cannot get sunburnt.
If you are swimming and it is 32 degrees out, wear sunscreen.
If you do not wear sunscreen and you go swimming when it is 32 degrees out, be prepared for sunburn over your entire body.
If you get sunburnt over your entire body, be prepared for a non-restful night.
Oh, yeah, and curse my Scotch-Irish ancestors along with their pasty white skin!