I grew up with coal and oil and pre north sea gas - central heating, when we got it for first time, was a godsend - cheap, clean and no more humping coal around.
however, central heating in those early years, and in most homes till even the 90s, was pretty all or nothing- one thermostat on boiler and a simple timer for on off maybe twice aday
modern systems give so much more flexibility. I have individual radiator thermostats to set rooms at different temperatures. Bedroom very low , living room at nearly full on, and rarely used rooms at off (guest room). I do heat bathroom to max “throttle”
then my central smart thermostat can now cope with being on all the time but with different temperatures in morning, daytime, evening etc. I turn system down to frost setting overnight. I can move the thermostat to room I’m in if I’m staying put most of the day so I can tweak temperature easily for that specific room. Mostly thermostat at 17.5 is fine for me unless drops below say 2-3 degrees outside. , I’ll even turn it down if I’m doing something active like house work
I certainly never heat before I have already put on a jumper or even a fleece, I always wear socks and slippers and thicker bottoms for sitting around. And when I’m sitting still, I have quilts in rooms to throw over me. Partly cos I still get hot flushes, so impossible to keep changing heating that often…I just pull quilt over or kick it off. But there again I’m a quilter so have nice quilts and throws in most room.
as MSE Site says, heat yourself first and only heat the house when you can’t cope with that any longer.