Yeh weather is definitely the type of conditions that actions need to be adapted to XD
You're a lot more courageous than I would have been, I would have bailed out if the water was whatever I classified as "too cold" when I walked in. I may dip into freezing water only if it's 35+C.
I remember when my kids were small enough to have those hoodie towels XD so cute!
Is it too windy to just do the beach stuff without the swimming if it's too cold to swim?