What exactly is the distinction between water vapor and steam?
So if you're in a room 20 °C, the partial pressure of water is 0.0231 Atmospheres * 40% --> 0.00924 water (0.924%)
Steam is 100% water, and generally can only happen at 100 °C or higher.
The highest humidity/temperature I've experienced is about 100% at 99F, which works out to around 7% water in the air. It was a miserable day, and I was a young/healthy kid at the time. [1] https://en.wikipedia.org/wiki/Vapour_pressure_of_water