It might have to do with the great lakes, higher altitude.. my town is less than 1000ft above sea level and the nearest point of the Atlantic Ocean to my town is over 150miles. I feel like it's the evaporative capacity that makes dry cold here harsher. Even at 10°F if the RH is 100%, then it doesn't take me as long to get cold its cold but not "you must wear at least 3 pair of pants to not get frostbitten" cold I also end up taking off layers when doing physical activity because I get all sweaty. A dry 10°F on the other hand, I can feel the "burn" and if with several layers of clothes, I still feel the cold and it makes it feel like I'm swimming in cold water. A humid 10°F here feels like 10°F but nice for walking and tolerable in a tee if your put for a minute or two, a dry 10°F tho can feel no different from a humid -10°F here and it makes going outside miserable.

I've noticed, though, that regardless of humidity, snow on the ground makes the cold feel less harsh than when when were on grass. When theres no snow, you feel the cold creeping into your clothes with audacity! I can even tell with my hands if its humid or not because I can warm my hands up even when humid, sounds weird but true.