>>2727774Oceanman Coach here.
It depends. 12 is not so bad, as long as you are wise and prepared.
Here are some advice to consider while facing cold water conditions (below 15 degrees):
-Hydrate well
-Have warm fluids
-Hot water after practice
-Practice to get ready in cold water in good conditions.
More energy is needed and muscle frequency
-Mental preparation
1. Acclimatize
Keep swimming as the temperature drops, and your body will get used to the cold.
2. Be safe
Open water may be dangerous. Always swim where it is safe, and make sure you can quickly and easily enter and exit the water. Always swim with a buddy or a group
3. Gear up well
To help retain body heat, wear a swimming cap or two. Neoprene gloves, booties, balaclava or a wetsuit, whatever you feel comfortable with, can also be worn.
4. No diving
Do not jump in or dive unless you're used to cold water. Breath gasping and cold water shock can be caused by cold water, which can be harmful.
5. Know your limits
Decrease the amount of time you spend in the water as the temperature decreases. Swimmers also only swim for one or two minutes at a time in winter.
6. Warm up slowly
Do not take a hot shower. Your core can be cooled by hot water and it can be dangerous. Alternatively, make sure you have plenty of hot clothing, cover up well and have a hot drink.
I do it all the time. Where i live there will be no Open Water Swimming scene of we will chicken below comfy 24 degrees.
Be wise and safe!