Welcome Kymco Owners!
Ah! That gag takes me back! Standing on the coaming a fathom (six feet) or so above the water, and jettisoning the liquid excesses of the evening before whilst hanging on to the shrouds for support and staring at the stars, (ensuring of course that one's aim was pointed to leeward), one or other of us would usually exclaim, "Oooh! the water is a bit cold". This would prompt the canned response of, "yes, and the bottom is a bit gravelly too!" Schoolboy stuff but good fun nonetheless! I'm not sure this will translate fully for our colonial cousins but I'm sure the gist will come across....