Yes, 75 and cloudy is quite comfortable for swimming as well as many other activities. Ideally the water will be a similar temperature or slightly warmer. If it is particularly cold just be sure not to stay in too long.
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There's no real optimal temperature, but many people feel “comfortable” swimming in water that is 70° to 78° Fahrenheit.
What's warm enough for you and what's warm enough for me may not be the same thing. But generally people will start going in for a swim when the water temperature warms up to around 70 degrees Fahrenheit. At 75 degrees, most people will venture in and at 80, anyone will swim comfortably.
Opt for a long-sleeve tee or layer on a lightweight button-up shirt when the temperature is hovering in the low 70s on a cloudy day. Be sure to pack a sweatshirt and breathable, moisture-wicking shorts to toss on for your morning beach walk or late at night as you curl up in front of the campfire to toast marshmallows.
SundressA sundress is the best alternative to wear to the beach if you don't have a bathing suit because it is comfortable, stylish, and covers everything you need it to. Wearing a sundress to the beach is a great way to stay cool and avoid getting sunburned.