I have my thermostat set to 14.5 in the kitchen which is a solid 5-6 degrees colder than the rest of the house (poorly insulated extension) so the main living area is probably around 19-20.
When the thermostat reads 13 in my kitchen it's bloody freezing. Far far too cold. The kitchen is riddled with damp because of it (but if we had the kitchen any warmer the rest of the house would be boiling).
My dp does not feel the cold. I do.
In the early stages of our relationship, I was staying at his quite frequently as we were both students, but he lived alone and I lived with my mum.
Over winter, he didn't put his heating on, and I was sitting in his living room, with about five or six layers on, shivering. I left the next morning and said I wasn't coming back until the house was warmer.
It took him three weeks but I stuck to my guns and we have compromised ever since. Tonight for example, the heating was on for a while, he was wearing thin pyjamas and bare feet and was comfortable, I was wearing fleecy pajamas and warm slippers and was perfectly comfortable.
But at 13 degrees, he would wear a warmer clothes and be comfortable, I'd be bundled up like the Michelin man, freezing and miserable. So I do not put up with it. I have just as much right to not freeze in my own home as he does to not boil. (so I don't crank it up to 22 like I used to, but it does go on when it gets cold)
That's not a healthy temperature, and if there were children living in a house that cold that I knew about I would be considering reporting to social services for neglect.