The actual temperature is still the actual temperature no matter if it is calm/windy or humid/dry.

If the "actual temperature" outside is 1C but a strong wind makes the "feels-like temperature" -5C... then you might get hypothermia faster than you would relative to a calm day, but no water is going to start freezing because the "actual temperature" is still above 0C.

It works the same way with humidity: the actual temperature is still the actual temperature, but humidity levels can make it harder to sweat and cool yourself and so that gets accounted for when they tell you the "feels-like temperature".