I would say that most people would agree that 90 - 95* temp. with 85-95% humidity (which is more like July in FL) is by far the worst of the two if they've experienced both. Humidity makes the heat 'much' harder to take. You can't separate the two when you are outside. It doesn't just 'cook' you, it smothers you! You can't stay out in the sun with either for long.