Old wives tale, there’s men who cut holes in the ice and go for a swim with no clothes excepts maybe underwear on. They don’t catch colds afterwards either.
Watch a [woman](https://www.youtube.com/watch?v=eEDmZlVCCzc) do it
You catch colds like any other virus, it attacks you when your immune system is weakened.
Now if your question is: does the cold lower your immune system, the answer would be yes.
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