Different materials are better and worse than others at transferring heat energy to other materials.
Water isn’t particularly good at this, but it’s far better at it than air – so it takes longer from heat energy in the air to transfer to your skin/lungs/etc. If you were to lie on a 190 degree metal table, you’d almost instantly get burned.
Here’s a table with the thermal conductivity of different substances just to give you an idea of how much different some of these are: https://www.techglads.com/wp-content/uploads/2015/06/Thermal-conductivity-different-materials-at-300K.png
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