What is the best beach water temperature for swimming?
A little cooler than your body temperature (98.6° Fahrenheit) should not be too cold so that you don't get chilled. 70° to 78° Fahrenheit is the range where most folks feel comfortable swimming.
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According to the National Center for Cold Water Safety, water temperatures below 70 degrees Fahrenheit should be treated with caution. Water temperatures between 50 and 60 degrees Fahrenheit makes it difficult to control your breathing, and anything lower than 40 degrees is painfully cold.
Makunufushi Island, MaldivesThe Maldives doesn't have a swimming season because the water is always warm enough (82 to 86 degrees) to dive right in and splash around. There are tons of gorgeous beaches, but we're partial to the private island of Makunufushi.
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.