Ice... a chilling topic... ;D
EG7's deduction is sound, but let's not forget our "friend", carb ice (although it's not a worry in the default FS Skyhawk).
I've managed to avoid airframe ice in RL so far (which is pretty easy when you're not instrument-rated), but I did experience carb ice once... and there was only a high broken cloud deck, but visibilty was good, which often suggests low moisture content near the surface.
I don't recall the dewpoint spread that day (although it was darn cold), but I do remember that it must have been on the dry side- I sure wasn't expecting the carb of my rented 172 to ice up while I was cruising flat-out at about 2000 MSL!

The carb heat got rid of it quickly while I used airspeed to gain a little altitude (over the Palisades just north of the G. Washington Bridge, which is not a fun place to lose engine power), but it was a sobering lesson: when it comes to carb ice,
visible moisture does not apply when the ambient temperature is low. Air always has a little water in it, and in the low-pressure environment of a Venturi inlet, not much is needed sometimes to create condensation and then ice.
In warmer weather, even hot weather, carb ice can still form, but conditions have to be quite humid, as far as I know.
I did hear all about that in ground school, of course, but nothing drives that stuff home better than watching the tach drop, then drop even more as you apply carb heat, while you're hoping it won't get worse before you reach your destination!
