Wind cools because of the evaporative cooling effect of water. For people and animals, the cooling effect of wind depends entirely on the amount of exposure of skin. People of different sizes, shapes, and metabolic rates are affected differently. A well-protected person does not experience any wind chill factor, no matter what the wind speed. Although dogs and cats have insulating fur, most pets are not equipped for brutally cold conditions.
Frostbite is common, especially on ears, noses, and paws.
The only effect of wind on cars is to cool down the engine to the ambient air temperature more quickly than would be expected without wind. The temperature of a car engine can never be lower than the actual temperature. If the air temperature is 40 degrees and the Wind Chill Factor is 10 degrees, water will not freeze.