You know those Christmas cards that show a frosty twinkly white treescape? That climate will kill you even at -5C.

People die on Ben Nevis every few years because they think its not that cold. But Scottish cold in that part of the world is brutal, there's so much moisture in the air that freezes if you get wet and cant quickly get dry you will die fast.

Still, it's a beautiful part of the country.

If the relative humidity is 100%, then being wet won't make you colder: the water has to evaporate in order to cool you, and it can't do that at 100% relative humidity. The problem that high humidity cold causes is increased convection, and the problem being wet causes is the dramatic near-complete loss of the insulation value of many garments.

There is a _lot_ of folk science about cold weather that is just plain wrong.