It looks so inviting!

She sat on the pool deck with her back to the pool giggling as she thought about her next move. "It looks so inviting," she called out. She wanted to just jump in, a spontaneous moment on a cool fall afternoon. The water was warm and she wondered what it would be like to enjoy some time in the pool with the leaves falling all around. But she didn't have anything to change into and if she probably would be cold when she got out. But still the thought of just jumping in wouldn't go away. Would it really be that cold when I get out? She giggled again anticipating jumping in. She couldn't decide, "should I do it?"

Image subject and a a bit of the prompt from @newtonai. Thanks for the inspiration!