Haven't had any central heating for the last couple of years. Inside temp was often down to 5°C last winter.
I hate the cold and I have RA, which gets very painful in the cold, so last winter we ended up getting an oil fired radiator plus one like speckledust had to keep one room warm (no insulation).
Unfortunately, although this generally only kept the temp between 12 and 16°C (depending on the outside weather) sometimes it was much colder, but this added £1000 to our gas/electric bill over the 4 months we used them so I WON'T be doing that again this year, not when I'm just here on my own during the day. I hate spending money on myself, it feels wasteful.
Instead I wear layers and have a heated fleece blanket, which costs the same as having a light bulb on, so I will use that on low during the day if it gets too bad as I'm not very mobile so I really feel the cold.
I do think you get used to it as I'm now often too hot at other people's houses (probably because I've got so many layers on, lol). The temp inside here is 10°C atm, so I'm snuggled under the covers and I wear gloves pretty much all the time.
Hopefully, the heating issue will be fixed by the summer so next winter should be better. Having no heating definitely causes a lot of issues with mould and damp though.