The reason you feel colder when you're dry and air is moving over you the air takes away your body heat so a slight gust of air can make you feel colder.
And when your skin is wet you can feel colder because the water is more colder than our body and the water traps the heat and prevents our body heat from keeping us warm.
Also when our bodies are wet we lose heat much more rapidly than when our bodies are dry.
Skinnier People also tend to feel colder than people who have some fat to them.
Fat is a good insulator which keeps the fatter person warmer than a skinnier person.
Being skinny does make you feel colder than someone who has more fat.
When you're skinny your body can easily get more cold faster than someone who is fatter as the fat person has more insulation which is the fat.
When you're skinny you don't have all that fat as insulation so the cold gets to you much faster.
I'm skinny and I can start shivering really bad when it gets to 50 F while someone who is fat or at least has more weight to them feels warmer in those temperatures.
Fat in your body is a good insulator so you feel warmer than someone who is skinny.
Your body helps produce heat through the use of muscles which help produce the body heat through metabolism.
Our bodies begin shaking when we are cold so that our bodies can warm up.
Although being fat is not always a good thing as being too fat and overweight can lead to heart conditions, heart disease, heart attacks, diabetes and strokes.