Ken300D,

You have the chill factor confused with the heat index.

Chill factor is moving air making it feel colder than it really is. I don't know the exact conversion numbers but an actual 32 F will feel something like 20 F with a 20 MPH wind. It has nothing to do with moisture. So a car going 60 MPH may experience a chill factor of 0 F at an actual air temp of 30 F.

Heat Index has to do with humidity (moisture) wheras 100 F at 50% relative himidity may feel like 115 F at 100% relative humidity. This is applicable to human skin only because of the evaparorative cooling our bodies use. Again, I don't know the exact conversion numbers.

P E H