Yep, and it's normal. Our mind is designed to keep us safe at all time. Taking challenges like that triggers something in our mind to convince us not to do it (It's not safe). It's true for absolutely any area of life when we step out our comfort zone. Train the mind to extend this zone and we can move mountains.

@Deleted A lot more than we can possibly imagine!

@Deleted It depends on the season! I like rivers because the water is generally pretty cold even on summertime. It depends where you are of course.

@Deleted Yes, I think it's because under the shower, there is also a air flow that makes it feel colder than it actually is, when, as you say, in a bath, we are completely covered like a blanket. However, the thermo-conductivity of water is much higher than the thermo-conductivity of air, but the association of both makes it feel colder.