68 is the magic water temp for Cobia. They don’t really stray showing up until mid March, but even then in small numbers. By mid April it’s on fire.
In other words, water is chilly until May. (Chilly for me anyways, I’m an 80 degree guy)
The crystal clear water depends on wind direction. The pics you see of flat calm, clear as a glass of tapwater are all taken after several days of a north wind during the fall/winter. It’s probably rough as hell offshore at the same time, you just don’t see it in the pictures. Water is still beautiful most of the year but if y’all show up after 3 days of 15kts from the south east, it’s going to be a bit stirred up. March/April can be a bit foggy in the AM. Todays water temp is about 64, air is currently 69 at my house. It’s a bit foggy but it will likely burn off by noon.
I live on 30A, let me know if you have any other questions.