The term 'COLD AND WET' can be summarized by two crossword solutions: RAW (3 letters) and DANK (4 letters). RAW is an adjective that describes something that is unprocessed, uncooked, or untreated. It is often used to describe food, but can also be used to describe other things such as weather. DANK is an adjective that describes something that is damp, humid, and musty. It is often used to describe the atmosphere of a place, but can also be used to describe the weather. Therefore, the term 'COLD AND WET' can be accurately described by the words RAW and DANK.