Is it cold out there in July?

You can sit inside if you want to. I would suggest a windbreaker or possibly a jacket as the air temp. Is lower than on land. It's worth the trip. My family really enjoyed it

It's not bad. In fact tomorrow is supposed to be around 90°. However, if you go out on a cruise in open water, there is a change in temperature, so you may want to carry a windbreaker or sweatshirt. That will depend on the temperatures you are used to of course.

Yes