The lake at St Moritz wasn't too cold on the afternoon we went, I had a little paddle. I didn't fancy a swim though. The wind was quite strong, and getting out would have been worse than going in! At 1,800m above sea level it must be a pretty inhospitable places at times. Although we were lucky with the sun shining down on us.
St Moritz is a well known ski resort, and well known for being expensive. It lived up to it's reputation!