Should I? (image story in the description)

She sat on the edge looking into the water with her feet dangling over the edge. The pool that has busy earlier that day when it was warm, but now that it was cold it was deserted. But the water was still warm which was all that mattered. She had started to take her coat off, but now wasn't sure. Maybe I wear it too she thought. She had swam before in her jeans and a sweater but adding the coat would be a new experience. She sat undecided, longing to be in the water. It was getting late so she needed to decide fast. What should she do?