How can one estimate comparisons of human heat loss across different scenarios?

According to, a.o. https://sci-hub.se/https://pubmed.ncbi.nlm.nih.gov/4820331/, one can assume that a swimming person's skin temperature is between T_water and T_water+1degC. This seems to suggest that a swimming person at T_water=T will observe similar heat loss as a nude sweating person at T_wetbulb=T with significant relative wind. (Well, that's kinda reasonable even without that confirmation, and relies on similarly intuitive-but-uncited statement that the temperature of sweat film and skin under it will both be at not more than T_wetbulb+1degC, which is probably reasonable in the nontrivial wind assumption.)

Is there a rule of thumb how (thin) clothing should affect that? (I'm trying to figure out rough comparisons of heat loss between running and swimming.) I'm most curious about rules of thumb for (a) loose thin clothing (which I'd model as reducing wind speed and increasing humidity experienced by the film of sweat, but I can't guess by how much) (b) skintight hydrophilic clothing with high heat conductivity (which I'd model at first approximation as changing nothing from being nude).

#physiology