Not necessarily
My little girl had me tricked when I got her. Some xantholophus females can have all three horns.
They will be angled more up in females though, and not grow to be as pronounced as a males.
If you post a picture, I can tell you male or female.
These chameleons live in clouds. While the fogger basically replicates a cloud, they do not need to breath it in for long without fresh air.
Just like people, being in an overly damp situation can cause respiratory infections.
Having it on for short periods of time, say to replicate a morning or evening fog would be ok IMO.
Having it on all the time is also going to effect your temperatures.
Misting 3-5 times a day is best for keeping humidity up.
Live plants are also key to maintaining a good RH IMO.
Misting will give water to drink, but I also recommend a dripper going all day, that drips onto plants and things that the animal can drink it off of.
Products such as the "Little Dripper" and "Big Dripper" can be bought that have adjustable nozzles on them. Aquarium tubing hooks directly to the nozzle, and can allow you greater control of the drip.
You can also make one by putting a tiny pin hole in the bottom of a dixie cup or other container.
You want it to drip once every 2-3 seconds.
Are you using any supplements yet?
Jacksons are very touchy when it comes to supplements.