Being uneducated and calling others uneducated? Are you a Reddit refugee by any chance?
Go read:
https://en.m.wikipedia.org/wiki/Thermal_comfort https://en.m.wikipedia.org/wiki/Apparent_temperature
High humidity and low temperatures cause the air to feel chilly.
Cold air with high relative humidity "feels" colder than dry air of the same temperature because high humidity in cold weather increases the conduction of heat from the body.
There has been controversy over why damp cold air feels colder than dry cold air. Some believe it is because when the humidity is high our skin and clothing become moist and are better conductors of heat, so there is more cooling by conduction.
You can check the primary sources under the claims on Wikipedia yourself and maybe learn a thing or two before you go around spread misinformation and calling others uneducated and making a confidently incorrect fool out of yourself.
I would also read some about "Wind chill" and the Heat Index. Start with Wikipedia but check the sources and explore these concepts. Then look at thermodynamics and how heating in your home actually happens and how insulation plays into it and how energy is produced.
Good day.
Edit: downvoted but no actual rebuttals. It's like I'm back on Reddit you guys, the hivemind style of anti-intellectualism is great to see, we really do live in a society.
And also don't seem to understand how wind speed and rH% actually mean that it could be argued UK winters are anything but "temperate".