Thankyou withgreatpower, appreciate it
I wouldn't know how to google for something like that!
So: The 18 participants who came down with symptoms of a cold also reported that they were more likely to suffer colds during the year than did the 162 who remained healthy The result was statistically significant at p = 0.007.
And: There was no evidence that chilling caused any acute change in symptom scores (P = 0.62)
And: It's those people who are prone to developing a common cold when they are chilled -- they've already got the virus, but the chilling is actually reducing their respiratory defense."
Seems to say to me that if you are already prone to getting cold etc (low immune system maybe) then the cold could make you more likely, but if you are generally healthy then it won't.
DD hardly ever gets colds/illnesses, and when she does seems to shrug them off really quickly (Swine Flu for eg, she was climbing the walls as was I by day 3, but our neighbours children were out of it for a full week). So her being cold/wet wouldn't necessarily mean she'd get a cold, because she isn't prone to colds under normal circumstances.
Some people are 'sickly' I suppose, so it makes sense to keep them wrapped up.