Sweat, er, um, excuse me Anna, glistening on the skin (a Southern Woman 'nevah' sweats)
is contributory to Evaporative Cooling (EC). Unchecked EC is contributory to Hypothermia, the medical condition of lost body heat and an inability to recover. Try changing to DRY clothes BEFORE you go outside.
Consider the following empirical examples: It is coldest at dawn+30 minutes because the advancing sun is warming the upper atmosphere and evaporating the earth laden dew. The process of heating moisture and the chill of evaporation is similar to the workings of an Air Conditioner, which uses pressure and evaporation rather than heat. Heating and evaporation is the mechanism by which a bridge ices over before the roadway; or ice forms on the windshield and nowhere else.
Your fingers, hands and body are like that. From the warmth of a humidity controlled dwelling or car, in moisture laden clothes, going into the windy, icy-fog (cuts like a knife), extremely low and falling humidity, and COLD Temperature, the moisture in your clothes, and on your skin and hands immediately begins to evaporate. YOU are the the air conditioner and the chill is REAL and far more than perception. You may stabilize after a while in the cold provided you are wearing moisture wicking thermals against your skin.
At 20, I was thin and went to the Arctic and the Antarctic, and everything in between TWICE, from a surface ship in the Pacific thanks to Uncle Sam and the USCG. IT IS COLD AT THE POLES. At 60, I am thick(er). I used to be MUCH colder when I was thin, but I wasn't mentally trained either. You learn how to combat the cold. My aged-based "insulation" is highly contributory to moisture production. My mental training says that if you THINK it is cold, you will be cold. I change to dry clothes after periods of great (and sometimes no so great) exertion.
Wrap you mind around and Consider: removing MOST/ALL of your moisture laden clothes outdoors, in the cold, like preparing to go skinny dipping, or Membership in the Blue Nose Club, or changing from walking clothes to on-stand camo clothes. Wait a minute, then put dry clothes back on. Your brain will realize, it could be MUCH WORSE and you warm up. It is why many do not wear their camo while walking to the stand and put it on only after getting on stand - taking off moisture laden clothes, putting on dry clothes, but allowing the sweat due to exertion to evaporate first.
It is HIGHLY POSSIBLE to get hypothermia on a FLORIDA BEACH in the height of SUMMER as it is in the cold of Anywhere, USA in the Winter. Mental toughness and dry clothes help prevent evaporative cooling.