My take would be that underwater temps cannot get below freezing. So the surrounding temperatures above water can be lower than under water.
Yep, density of water changes with temperature—it's the only thing that has that phenomenon—and therefore the colder water is always at the surface. That's actually what made life possible since life could survive despite a frozen surface.
Happy to be proven wrong, but that's what I learnt making cocktails and investigating clear ice :)
Right!! Thanks for correcting me.
Supercooled water is a thing: (and I've seen it a few times myself)
Nevermind I just learned about CCT diagrams. I guess having only one year of materials engineering means I should STFU. :)