"It's not so bad over here. Don't you want to dry off faster?" The rock is noticeably cooler where Finn had been laying before, thanks to the water evaporating.

"Then again, maybe pilots cook at lower temperatures." Finn's aware that doesn't make a whole lot of sense, but he is suddenly in very close proximity to a naked Poe, and it's different when there isn't a barrier of water separating them. He might be babbling slightly.