I agree. It's surprising how much the temperature at wave bouys can vary over short timescales for the reasons you mention. Offshore/onshore winds make a big difference for some miles offshore.
This graph shows the Penzance wave bouy up until 10am today. Iif you draw a straight line from Mousehole to St. Michael's Mount, it's half way along.
It's been averaging around 19C lately, but as well as tides & sunshine, it's highly dependent on wind direction. Highest in a S wind, lowest in a NE which causes an upwelling of cold water. Likely not to hit yesterday's values today, as the wind is tending to back more easterly and increase a touch. I've even seen Sevenstone bouy, well out in the Atlantic, hit 23C at slack water with no swell under sunshine, as a warm pool forms and drifts across. I'm very wary of sites which show snapshot SSTs, they really need to be averaged over a few days.
Anyway, it was warm in the sea this morning! MetO forecast temperatures for Penzance are excellent these days. BBC is complete rubbish in comparison. Current Penzance max temperature forecasts for today:- MetO 27C, BBC 22C. I rest my case!
Graham
Penzance