Beach at Rørvik
In Lofoten, you will find many beautiful beaches. One of them is Rørvika in Vågan. It is easily accessible where road number 816 to Henningsvær takes off E-10. I did a small test, and it was actually not very cold. The picture (and the test) was taken in late July. Now, of course, it is too cold for bathing - although some people enjoy bathing.
Photo details: EOS 30D with my EF-S 17-85 mm at f/7.1 with a focal length of 68mm. With ISO at 200, the shutter time was 1/100 seconds.
This picture is part of my Lofoten set at flickr.