Not a specialist, but probably for the same reason the air, or the ground in the city, are cooler at midday than in the afternoon: because the time it takes for it to store/absorb the heat. Think “time of exposure to the sun”, rather than “is the sun as its highest”. That’s also why asphalt and air are still hot after the sunset, and usually until 10-11pm in summer, the time for it to release the heat it has stored all day.
Another explanation can be contrast: if the air is hot, the water will seem cold by comparison.
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