Sounds like we have a larger number of Inuit members than I thought.
The wife, our dog, and I were in our pool yesterday afternoon. The water was 80° and the temp outside was in the upper 90's with our normal 100% humidity. We both laughed at ourselves a little when we got out and were both cold until we grabbed our towels. It's all in what you're accustomed to.
There are many natural springs here in FL where fresh water that is clearer than any water you've ever seen comes flowing up through the ground. The water in those springs is always 72° no matter what time of year it is. That water is WAY TOO FUCKING cold for me to get in and enjoy. My teeth will literally start chattering if I stay in spring water for more than a few minutes.
So yeah... we are cold blooded DRAGONS.