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.

> The problem that high humidity cold causes is increased convection

Can you help me understand? How does higher relative humidity increase convection?