>>16476698the body is good at maintaining a stable core temperature
your nose is the likely area you'd contract the virus initially and colder temperatures will affect your immune response in those areas, along with making blood vessels contract which slows the ability of white blood cells to reach it
the bigger problem though is probably that viruses like the common cold and influenza can thrive in colder temperatures so it's just generally more likely you'll get sick with those factors all combined, people spending time indoors is also a big factor like you said but it isn't the only one