motivation on gray cold days

Hi Gang, So here it is--Fall is upon us, and winter is around the corner. This time of year, when it is dark and gray--and so very cold, I find it difficult to go swim. Maybe it's the getting wet or the getting cold, but I just lack the motivation to get myself going. So, if/when you all have days (God forbid weeks) like this, how do you manage to overcome it, and get yourself swimming? :D Jerrycat