The next time you go to Lake Tahoe put in at Lake Forrest (north of Tahoe City, CA) next to the Coast Guard Station. It is only $10 to launch there. You also must watch the weather. Wednesday on the lake was perfect with mild temperatures and calm winds. When the wind is over 15 mph there are large waves and rough conditions. There are few places to anchor because of the extreme water depth. Much of the lake is over 1,000 ft deep. The Nevada side has some great coves offering everything from family picnic spaces to a nude beach. Try the website
http://www.boattahoe.com for more information. As far as the water temperature, well it is not much of a swimming lake unless you are in a cove where the water can warm up. But it is quite an experience to swim around the boat. You will discover a new ability to swim faster than ever before because it is the only way to get out of the cold cold water. Better luck next time.