I haven't figured it out all out, but have noticed that while humidity does play a part, it is only part of the reason for image quality issues. I think there is another factor or factors that usually co-occur with humidity levels. When we speak of humidity, it is relative humidity which is the amount of water vapor in the air relative to temperature. If I understand it correctly, there is physically more water vapor in the air at 80% relative humidity and 80 degrees F than there is for 80% relative humidity and 40 degrees F. The more actual water vapor in the air (absolute humidity) is probably the factor we need to consider more so than the relative humidity, but nobody measures absolute humidity. As it turns out, for every 20 degrees F, absolute humidity about doubles. So in the above example, the relative humidity of 80% at 80 degrees is 4 times the absolute humidity of 80% relative at 40 degrees...so there is physically more water in the air of occlude the performance of the scope. As such, 80% relative humidity at 80 degree sis more of a problem for us with thermal than 80% at 40 degrees. Make sense?
Another factor with humidity is water particle size. Generally, humidity is just water in the gaseous form, generally invisible to the naked eye, but does hold temperature. When water condenses out of vapor into droplets (fog), the droplets further hinder our view, even if the humidity is the same amount. Fog generally forms with temps fall.
Other factors to consider are the amount of dust, pollen, smog, and other particulates that are suspended in the air. While pollen levels are often reported, these other factors are not and they are generally not described to the public relative to vision occlusion. All of the particulates in the air have temperature and hence can influence the ability to use thermal scopes.
So when considering the differences in thermal performance, assuming you have all the settings correct, it isn't just relative humidity that is the key factor, but the absolute humidity...how much water there is actually in the air regardless of temperature or pressure, plus all the other junk that is floating around that will occlude your thermal vision.