Below about 10°C, wind chill drives "feels like." Above about 27°C, humidity (heat index) does. In between, it’s just the thermometer.
Wind strips heat fastest when it’s already cold; humidity blocks sweat evaporation, which only matters once it’s hot. Neither effect does much in the mild middle.
Estimate with the rule, then check it against the calculator that models it properly.
Open Feels Like Temperature →