We are all different. I was cold last night just before I went to bed so I checked the temperature. The thermostat was reading 19.5° and it had just switched to the night time mode of 15° ( not sure how accurate it is), it was pouring with rain and stormy so I reset the time for two hours of heating at 23°. I know that was too hot really but it takes more than two hours for the temperature to raise that much.
I then got in bed, warmed up enough for my nose not to be cold and the house temp rose to approx 21° before switching off again. I will possibly turn the thermostat up shortly as despite wearing a t shirt and a fleece top, my nose is cold and I know I’m not going to be comfortable when I sit to watch tv this evening.
I am lucky though that I can afford my heating bills, spread over 12 monthly payments, they are not too high, currently £147 a month and I am in credit ready for the heavier winter bills. I grew up in a house which had only two fires as heating, ice on the windows and numerous blankets on the bed. My first house when married had a back boiler which went out regularly, ice on windows again.
I swore that I would never let my house get that cold, I’ve seen the damage damp and cold can do to the structure of a house and I worked hard to get a good career to allow me to save enough for my heating bills. I would rather do without other things if I had to!
But it’s fine for other people, possibly younger and in better health than me, to live comfortably in a cooler house, as long as it suits you, go for it! It’s not a competition though although obviously for some people not turning on the heating is not a choice, finances might dictate that. I do feel sorry for people like that and volunteer at a local Warm Space where anyone can come to spend a few hours every day in the local church hall and have free hot drinks and warming soups.