Originally Posted by haha
People who don't like September are not going to like June, July or August either, unless there is an el niņo going on. Ha
For one thing, your body can adjust to cold water over time (a week or so).
Another point is that those who swim or surf in water around 60 degrees (plus or minus a few) will usually wear at least a thin "shorty" wetsuit and a cap. Doing so make a huge difference.
When I lived in Monterey, the water tended to be fairly cold, but a 5-10 minute swim was always enjoyable for me. Longer than that would probably be unpleasant, but if you're just on vacation you probably aren't interested in extended swims.