Also easy to avoid.
Should we assume that player carelessly plows through hordes of children in just underwear and gets wet in the process?[/quote]
“Git gud, noob”
Exactly this. If you play primarily end-game characters that only get wet when jump in deep water, have full suits of equipment to match the time of year, collect toastems my the shopping cart-full, and have a small library of comic books, Computer Games, and Through the Lens, well sure, avoiding -50 is pathetically easy.
If you have an early-mid game character, being unencumbered enough to deal with zombies often means serious wet penalties, and if there are a couple of children in the horde, or your only decent equipment is too hot/cold for the time of year much at all, you’re going to be -50 in no time. It doesn’t take being an idiot or playing like a complete noob.
And don’t get me started on very early game characters - insufficient warmth plus rain = no crafting for you, no matter how awesome you are. While that does make SOME sense, the ability to, say, boil water or cook a piece of meat sufficiently to avoid problems isn’t exactly a hard thing.
Perhaps only restrict crafting that has a chance of gaining skill?