There is also the option of not wading around in ice cold water.

Seriously, it's a mental and health thing.
I trained showering from cool to cold for the whole summer. This is the first time in more than ten years that i didn't catch a cold in october. It's even november and i still wasn't ill. In my worst years i was ill from november until april, many times in a row, with intermediate maximums of two weeks of feeling better but not recovered at all.