We get colds when our natural resistance is lowered due to stress. We are all (well about 90% of us at least) born with an immune system that has the ability to fight different germs, bacteria, and viruses, so it is only when our resistance lowers that they can cause colds, etc.. So if the weather is cold enough, and you are out in it long enough that your body perceives it as a stress than it could lower your resistance creating an environment where the "invader" could cause damage.
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