You answered your own question. Evaporating water makes your skin feel cooler. Humidity slows evaporation. If there was no humidity at all and you got water on your skin (or just sweated) the water evaporating would cool you down a lot, but if the humidity was at 100% there would be barely any evaporation and the water would simply sit on your skin. Humidity is rarely 0% or 100% in the summer, so it’s a scale that feels worse and worse as it goes up
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