I don't know, man. Since I was a kid I used to go hunting with my grandfather. That was the first time I heard about moonlight being cold, more than 30 years ago. Later, in school we were of course told that it's the sunlight coming off of our Moon, but in my experience moonlight is different. I've taken the things you say into consideration, and the environment surely plays a role, but if you're under direct moonlight you'll get colder as time goes by, I guarantee that.