The cold has never bothered me, and I live in Massachusetts. That particular area just isn’t all that sensitive to cold. At least for me and my family. But if it really bothers you, the more expensive model has warm water.
The first time I vacationed in Europe, I had no idea what the thing was next to the toilet in my hotel. But I have since gotten one for my place and have always thought it was weird that it wasn’t more common in the US.
Wear boxer shorts = no part of the fabric typically touches anything residually dirty (because my anus disappears between my bum cheeks when I stand up).