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Might "look" warm on the surface to the thermogun.
Actually dangling toes a few feet down....another story.
Thermocline in effect.
What happens when a 6 ft paddler falls out of their boat,
--do you think the toes on that person feel cold water ?
Be real - it's an unrealistic gauge of the water temps.
Take a standard thermometer, tape it to a filled nalgene,
throw it over the side, tethered on a string, BELOW the water surface.
Much, much cheaper and far more accurate of paddling conditions
Used thermoguns 100 times a day developing thermoplastic parts
and they are great for surface temps only, 1mm deep maybe.