Orenda
Since Chris was looking for a variety of information about effects and concentration, and to find that someplace official, I was providing a hard number that is considered safe for all domestic uses including ingestion as determined by a branch of the US government that is concerned with human safety, and that Chris can use as a conservative figure, if the level is below 4 ppm it is safe to drink, bath, shower, and cook then it is reasonable to assume it is also safe to swim in. While it might be safe to swim in a concentration higher than 4, I would not want to...
As for chloramines; di-chloramine and tri-chloramine are odorous at very low levels and have the affect you describe. Mono-chloramine does not exhibit those same properties, but getting just mono-chloramine in a swimming pool would be a difficult balance and not worth the effort. Not all chloramines are bad.
Hydrae