Lake or ocean effect fall under the microclimate case absolutely. We know part of California is perfect. Even my pond and an addition of a hill on part of the north side of the pond helps my trees like pawpaw grow on the south side of the pond here.
If you look at the bottom of that hill you will see persimmon. On the opposite side are pawpaw. Pears are growing on other parts that will serve as wind breaks to further warm the small area. Water, lack of wind , warmth, a little shade are all good for the American pawpaw. Winds tatter leaves of some plants like that if they are grown in the open. Most people wont go to that extreme to create a micro climate. Pawpaw in Kansas - it's a lot of work but can be done!