You're not, illnesses like colds etc are caused by viruses that you catch from other people. In winter time, viruses circulate more because people spend more time indoors because of the weather and it's easier to spread a virus indoors(lack of ventilation etc).

More energy spent on keeping your body warm = less energy going towards your immune system = more sick

You aren't. This is an "old wives' tale". Our immune systems are far more robust than this.

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but of course, most people arent spending more than a couple hours at most in the rain, and are hopefully drying off after, so it usually doesn't actually get you sick

Is this satire? You can't catch a cold through a cut. Only certain cells are susceptible to common cold virus/flu/coronavirus infection. The nasal mucosa, for example, is viable tissue for a viral infection. And it must be infected by respiratory droplets (infected saliva, phlegm, mucus).

TIL that one of the rules of the sub is "Questions with a Flawed Premise" and you can flag these!

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