I think it is something else on top of it. I need a bit of time to remember it. The lesson is taught in highschool science class at around grade 10-11ish.
Oh yes, I am not really a scientific guy but in my Dive mater lesson I was told water carries heat 25 times faster than air does.
Reason is water has 1 of the highest heat capacities of all naturally occurring substances. it takes 3,200 times as much heat to raise a given volume of water specific temperature as it does to raise the same volume of air to the same temp.
And that is why 24°C is warm and comfortable in air but you become chilly in water, air cannot carry your heat away as fast as the same temp water can.