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Grandfather Mountain NC gets some windchill factor at times
Wind chill calculations actually do take humidity into account in some countries. A damp wind blowing off the ocean feels physically colder than a dry wind with a considerably lower temperature. The reason is evaporation on the skin, which is very similar to the body’s own mechanism for cooling down when hot ... sweat.
I’ll take zero in the Colorado Rockies over 20 on the coast of Maine any day, as far as one being more comfortable than the other.
Yes. That is important when you are outside, but when you are a retired person inside your Florida home with no central heating, wind chill is not important. What really matters is the density of the cold air sneaking into your home.