Specific heat is known to be the amount of heat that is available for every unit of mass. This is needed in order to increase the heat of a specific element or item. Heat and temperature changes are related to each other.
There are some that are not too hot but because of exposure, the amount of heat will also increase. The increase in temperature is also connected to the average value of the kinetic energy of the atoms and molecules. The other choices available refer to the different characteristics of water that will not play any role in providing warmth and insulation.