Judging by her ease, the chill is natural to Ilde - as can be no surprise. Katherine's seen her tail, after all, though the fact she's still wearing bottoms suggests she's not planning on shifting here. (She'd have to go deeper, anyway, and she has a faint distrust of a body of water where she can't expect to be the biggest and bitiest.)

"I wouldn't have guessed you're the beach type." Considering.