I'd like to add that I never use plain oil in dry hair. I always use it in either wet or damp (misted) hair.

As for swimming, I first wet my hair with plain water, then add a moisturizing conditioner with natural oils in it and put my hair in a braid and/or up. If you don't have a condish containing oils, you can add them yourself.
A sort of DT while you're swimming

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2B/C-3A) fine - low porosity
Wash: Daily Fix,SMT, Kesham, Urtekram
RO: Motions CPR Li, Inecto Cocos co, AO GPB, KCTT
acv-rinse, sometimes honey-rinse
LI: coconut oil (winter), CJBC-LI
Styling: AVG, Etos Solid Power Gel, Taft gel, CJPP
Plopping~Pixiecurl diffuse~clipping