Hmm, my 6'-deep 12,000 gal fully in ground koi pond in Rochester NY would be in the 70-ies all summer long. And the ground temp is steady 45 F below 3' mark. If I had to guess, in direct sun, a similar pond in SC with the ground temp of ~55 F, half-way out of the ground, would easily be in the 80-eis and high 80-ies. Herein lies a problem for most temperate/cool water fish.
A few months with the air temp in the 40-ies I think will cool the water to below 50 F. Herein lies the problem for tropicals.
I suggest you browse the Cat-eLog on Planet Catfish which lists temperature ranges to find which cats can handle the ~45 F to ~85 F range. When you find one, click on the purple "(Show others within this range)" link!
Wanna try your hand at the ultimate of all MFK fish - wels? Central Asian, Australian, SA (more like central Argentina) would be the areas of interest, if you are determined to skip NA. Otherwise, a flathead, blue catfish, channels, bullheads are all nice.
Tachysilurus fulvidraco = Tawny dragon catfish is kept in outdoor ponds in CA but IDK how low a temp those ponds get to.
Also, keep in mind that temp and temp ranges need to be verified and verified again and again from different sources before you commit.
Also, keep in mind that sometimes the temp ranges simply reflect the breadth of the area a species populates and it does not mean that when subjected to yearly fluctuations within this range, this fish will be fine. Their habitat temps may be more or less steady but they reside over a large area.