We went snorkeling at Steps Beach yesterday. When you live in the tropics, your sense of cold is different. My wife wears a sweater when it gets 70 degrees. It was cool when we arrived around 9 am. The sun hadn't touched the water yet. The water seemed murky.
In an instant, we felt the temperature rise. The sun hit the water directly and it was a magical moment. The water changed colors. We grabbed our snorkel gear and jumped in. It's always hard taking pictures of fish, they're always moving away.
The water was a tad warmer than the air, delicious! We left around 11 am, by then the beach had plenty of sun bathers.