Part of this also has to do with evaporation of water on your skin, which is always happening. So you get wet with cold water and you feel cold, but part of what makes it feel cold is that as the water evaporates off your skin the second you pull it out of the water, the evaporation process uses so much energy from you that it feels really cold. You can jump in freezing water and stay fully submerged and you can get used to that, but the second you step out of the water and the lightest of breezes helps speed us that evaporation process by moving the water-dense air from your skin and replaces it with drier air ready to suck up some more water from you, you feel that shit cold af
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