to accumulate under your finger nails.

–one or two each year will suffice.

if you have any regard for your health.

–in the summer a sponge bath night and morning is about all that is required.

but seldom, if ever, in water very warm or very cold–they both are injurious.  Warm water weakens and cold water chills.  The temperature of the water should be about the same as that of the body.