Ron Garret writes:

Obviously not. It has to be cold too.

Yes, but the leading edge of the wing might be colder than the cloud.
When water drops hit it, they solidify, then you have ice on the wing.

This is similar to the problem with cold-soaked wings on airliners
when they land at a warm and humid airport.

These things are ultimately judgement calls, and depend on the risk
profile you wish to adopt. Since you're flying a sim it's a moot point.
Pick a policy; one is as good as another.

Sims crash, too.

That depends on your sim. I'd consult the manual.

The manual doesn't describe symptoms.

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