I learned from a swimming teacher "water transmits heat/cold 10 times faster than air", therefore a logical conclusion is that dry air is insulating more than moist air.
Heat and cold transfer in air happens, just take your shirt off, you feel the temperature change immediately. Go to a very, very cold climate with dry air, if there is no wind, it truly doesn't affect you that badly. Same with Arizona in the summer ("it's a dry heat" is a state motto, IIRC)
In my experience 60 is cold no matter what. But feeling cold at 70 degrees stinks.
In England or Ireland? Ya, damp all the time all winter. It just depends on the environment. (don't want anymore moisture in the air)
Also, I'm not sure if there is an easy way to actually increase humidity without reducing the temperature. From my experience, increasing humidity while keeping the overall temperature at the same time requires additional energy.
Also, less humid air may allow you to actually wear less cloths as it is more difficult for the air to get energy off your body.
So, in that environment adding moisture makes the air warmer. (with proper heating of course)
