What is the best water temperature for swimming in the ocean? There's no real optimal temperature, but many people feel “comfortable” swimming in water that is 70° to 78° Fahrenheit.
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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.
A basic t-shirt and shorts make the perfect combination for beach weather forecasts in the 70s. On sunny days, go with a short-sleeve tee, sailboat-ready polo shirt, or a loose tank dress.