I detest cold water more than anything?

One problem may be your blood circulation. Some inactive people lose capillaries in their extremities or they do not develop. Blood circulating through the capillaries warms fingers and toes. Discuss your condition with a physician. Adequate clothing may negate your cold aversion. Clothing is only a temporary fix. Eventually it to will lose its insulating properties. If you are going to be outside in cold weather you need to stay active. Harper's notes that children from 8-18 years of age are spending almost 8 hours a day using electronic gear or watching TV. Next excursion, do ten or fifteen minutes of exercises inside before going out.