The wind makes the cold worse than the number
Short answer: Ten degrees in a strong wind feels like four. The wind removes the thin layer of warm air that otherwise sits right at the skin.
What the wind does
The body warms a thin layer of air right around itself. That layer is part of the insulation. Wind blows it away faster than the body can make a new one, and the result is that the cold feels stronger.
What helps
A tight outer layer that stops the air. It does not have to be thick, only windproof. See bamboo clothing for men.
What does not help
More layers of knit with nothing tight on the outside. The wind goes straight through loose knit however many layers there are. See bamboo sweatshirts for men and bamboo underwear for men.
Frequently asked questions
How much colder does it feel
At ten metres per second, ten degrees feels like about four.
Does it apply in summer too
Yes, but there it is pleasant because it cools.
Why does the face feel coldest
Because it is the only place that is not covered.