I am cold natured. I have been okay with Jan & Feb air temp (and I don’t appreciate hot and humid). The water temp is always a bit cool to me. Doesn’t mean I won’t go in sometimes.
If you are not a frequent cruiser and want a better cruise experience, weather-wise, I would look at early May or early December for price, crowds, and moderate weather.
If it’s your only available date, it’s a roll of the dice. Actually, water temp doesn’t deviate that much year round. Supposedly, ship pools are heated water (we used them on a late May cruise in Alaska one year).
There are a bunch of ships sailing that time of year - it can’t be too bad. Or everyone’s just crazy.