Evaporation is part of it, but it’s also because you don’t feel temperatures; you feel *differences* in temperature. When you’re standing around your house in 72° air, you get accustomed to it. Then you get into the shower and you’re surrounded by warm water and warm steam, and you feel that difference as being warm. Then you linger in the shower for a long enough time and get accustomed to it. Then you step back out into that 72° air in the rest of your house, and you feel that difference as being cold.
Latest Answers