I don't think you need to worry about pool getting too hot.
I live in Brentwood and am probably around 10 degrees cooler than you are.
In summer, if I don't heat, and pool is not covered, water is a little cold, maybe mid 70's.
If I cover, then water is in 80s or maybe even low 90's. So covering would likely make it too hot, but I'd guess that uncovered water should be just about right.
Then you could consider covering in spring or fall to extend swimming season if you want.
Randy