Let’s say that the air temperature is physically at 40F. At this temperature, water won’t freeze, so your pipes are safe and the roads won’t be icy. If the wind’s not blowing, it’ll feel like 40F.
However, if there’s a 20 mph wind, that will cool you a lot more than no wind. So the “feels like” temperature accounts for this; maybe it’ll say that it feels like 30F. That means that 40F with 20 mph wind will cool you down the same way that 30F air with no wind would. Again, the temperature is still 40F; your pipes are safe and driving isn’t a hassle, but you probably want a thicker coat or jacket.
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