Radiation heat exchange!
The walls and windows around you are much colder in the winter and pull the energy off of you. Or in summer, if the walls and windows are hot they push heat onto you.
Think of standing in front of a bonfire in the winter and then someone walks between you and the fire. You are instantly colder. But air temp around you doesn’t change.
At all times you are exchanging heat with your surroundings despite the air temp around you.
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