In the Midwest there are polar bear clubs where swimmers enter a lake or river in the winter. Granted they don't swim, just plunge and hurriedly exit.
The guy in this story was swimming in 21 degree fahrenheit water. There are polar bear events when some years they're entering water thirty degrees colder than that! Nothing that I've ever been tempted to try.
https://www.jsonline.com/picture-gallery/life/green-sheet/20...