Final answer:
The wind-chill index is based on the cooling effect of wind on exposed skin and does not assume that a person is appropriately dressed; therefore, the statement is false. It illustrates the role of convection in heat transfer and how clothing can mitigate these effects.
Step-by-step explanation:
The wind-chill index does not assume that a person is appropriately dressed for the weather, so the statement is false. The wind-chill index is designed to quantify the cooling effect of wind on exposed skin, which is why it provides a more dramatic example of how convection can increase the rate of energy transfer from the body, as compared to conduction alone. When referencing how wind-chill factors emphasize the cooling effect, a practical example would be a wind speed of 15.0 m/s at a temperature of 0°C, which feels similar to still air at about -18°C on exposed skin.
Moreover, clothing plays a significant role in reducing heat transfer by slowing down conduction and convection and by having lower emissivity compared to skin. This demonstrates that the wind-chill index's ratings are based on the assumption of exposed skin, not on a person who is dressed to minimize the effects of cold temperatures.