chip,
Certified in La Hoya (sp?) Ca. in 87, over 1000 dives, deepest cold water dive 275', coldest water 27 degrees, worst vis. 6" (full 2 1/2 hr. dive), 4-5' high boiling river water rapids, up and into substantial water falls, ice, wreck, homes, a bit of cave, night, forests, most bottom time in 12 hrs was 9 plus hrs, longest single dive on single 80 around 3 hrs.. Most bizarre - approx. 8-10' into the bottom of a lake. Been called by Police to look for floaters. Even play underwater ice hockey.
Really that all depends on where one is. Take the Niagra River (Niagra Falls) this time of year - approx. 74-78 degrees.
Some inland lakes can easily be in the low 90's for a surface temp..
You can drop down a few thermos to find low to mid 40's.
I've seen Lake Ontario at 36 degrees surface temp. while outside air temps knocking on a 100 degrees.
Basically this time of year any of the inland lakes in all but the far north of Ontario will be somewhere in the high 70's low to mid 80's - very very few lower, a lot higher.
As you can tell I love diving in extremes. I'd love to do the Whirlpool on the Lower Niagra River. I think that would be a very interesting technical dive.
But 5 on 6, that's finesse'n her dude!

Got'ta love the fight

. Yah we get both large and small mouth bass - both are common species for our waters.
Keep Smile'n, It's a nice day to be alive.