Rowing is really a much closer crossover to cycling. The primary method of force generation for each is knee extension + hip extension. At low intensity, rowing is maybe 10% arms and 20% back and lats. At higher intensities, I'd say that shifts to like 5% arms and 10% back. The harder you go, the more the focus shifts to the legs (which is a big part of why you need to increase stroke rate to increase power; you need to drive with your legs more often). Most rowers cycle extensively for cross training. Many elite rowers, by pure time, actually ride more than they row. Especially in off season. And because it's easier to do "base" miles riding than rowing because technique focus is so important for rowing.
Rowing is, however, also great cross training for cycling, and it's a great way to keep some upper body tone and also help offset the constant kyphosis of riding; engaging your back in extension is just really good for you, but it's especially good if you're a cyclist.
So if you're looking for something to replace swimming, rowing ain't it. However, I do think rowing is a great training tool for triathletes, and I don't think your swim will suffer as a result of swimming. And, if you're just looking to add something other than running or cycling, rowing is great. So is XC skiing. But both sports are heavily leg dominant with arms really for "finesse" and a bit of extra power (XC is more arm-heavy than rowing is, but also less accessible).
Roch Frey says the best substitute for swimming is paddling. Prone paddling is really good (it's basically swimming on top of a board), but standup paddle, kayak, and canoe all probably have more benefit to swimming than rowing. But if you have access to those sports, you could probably just open water swim instead...
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