It’s all to do with your skin interacting with the surroundings. Your skin warms up the surrounding water to create a layer of warmer water. When you move, that warmer water flows away and is replaced by colder water.
If you ever find yourself in a sauna, the exact reverse happens. If you sit still, there will be a cooler layer of air near your skin and moving or blowing on your skin will blow that layer away, making the air feel much hotter.
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