I wonder what the wind chill would be if you were soaking wet?
I was camping at Lake Oolgah, Oklahoma many years ago. It was a cool Spring day with winds around 30mph. I would guess the actual temperature was around 45, maybe even colder.
I had bought a pair of used Carl Zeiss military binoculars and was sitting at one of the concrete benches looking over the lake. There was only one boat on the lake. I looked closer and it was a sail boat which had turned half over. The sail was in the water and the two people on the overturned boat were soaking.
The boat was also drifting into the dam. There must have been some kind of boom to stop boats from going over but I sure did not see anything. I drove to the front entrance and told the guy there about the boat. He phoned the lake patrol.
I went back and watched and sure enough a power boat with some kind of police sticker came out of a marina and hooked the sailboat and took the two off. I never heard anything more about it but I bet a person, soaking wet, with 30mph wind and 45 degree temps would not last long.
If you are wet? A LOT lower. Water carries heat away from a human body 37 times faster than air. So if you are soaked, well, I’m too tired to do the math, but it is not good. (Wind chill is based on a dry body BTW.)