And it's easier to warm up in a cold situation than cool off in a hot one, methinks.

I remember at the end of a hike, seeing a woman who was swimming in a pool at the bottom of a waterfall. Nowadays the younger women have bathing suit bottoms that look like thongs, and her bottom was bright red. I'm sure it was from the chill of the water, but it made me think -- must be tough to holiday at a beach resort and also take advantage of the opportunity to spank away!