no rain for months, 70 to 80f most days, and I get hit with a cold. go figure

Exposure to inclement weather or chilly conditions has nothing to do with whether you catch a cold. (Well, maybe very indirectly: if you were exposed long enough perhaps your body might deteriorate to the point where your immune system was compromised, but this is very unlikely.)

The only way you can catch a cold is to be exposed to the virus.

You could go out and play all day in the snow in your underwear until you were half dead from hypothermia, and you would not catch cold unless you were exposed to the virus.

tanstaafl.