What is the water temp that the UK guys sail year round in? My elementary science teacher would share that the UK would an ice cube if it was not for the Gulf Stream.
In the Cheasapeake Bay, we have head waters coming from inland rivers and a tidal flow from the Atlantic which is drawn from mostly the Labrador Current segment of the ocean.
The bay can get down to freezing but usually hangs around 40f in the winter. Summer can get up to low 80f and carry on at 65f into midfall.