I've had the same problem as you and have learnt how to avoid it without becoming a naturist.
1. Load your films at night or early in the morning when it's cool. If you've just got out of bed you're unlikely to be perspiring much and should be relaxed.
2. Make sure your bag has as much air in it as possible before putting your arms into the tubes.
3. Touch the film as little as possible.
4. Get naked if you feel like it but stay indoors.
Some films are worse than others, I really only have serious problems with one film, all others from the same manufacturer are more or less okay. Good luck.