I'm debating getting a pool pass this year. Even with the sale of 10% off (this week) it will be almost $300.
And if you think the Y is warm, try Aldershot pool, 88 every day! It's quite nice in the winter and I feel I've adapted although the first few weeks I drank a lot of water. Of course I'm also swimming at a very low intensity too; couldn't imagine a fast pace in there, googles would be useless.