Yeah but your ignoring individual physiology, Crikey. Makes me laugh when people bang on about 'putting extra clothes on' rather than being comfortable in yer own home.
Went round a neighbour's earlier; he's got his balcony door wide open. I din't even take me coat off. He thinks it's funny that I think it's a bit cold; it's some silly macho crap he's got going. Truth is, he's got high blood pressure, and drinks from about noon. so he simply does not in any way feel the cold like I do. come the summer, if it gets about 75ºF, he's 'too hot'. So he's a moany bastard from about May to October. I, on the other hand, am fine in warmer temperatures.
In my experience, those who originate from warmer climes tend to suffer the cold more than those who originate from the UK or Northern Yerp. It's all about physiology; an Ethiopian can run about in the hot sun, whereas a White Scottish person would keel over as their bodies can't physically cope with the heat in the same way. Horses for courses. Not to mention sunburn...
I have my flat at 20ºC during the day. Just right and comfortable if I'm wearing a jumper. Don't care what others think; if you want to live in a fridge, wearing all your clothes, you are free to do so in the comfort of your own home. Just don't expect me to come and visit bringing a nice bottle of wine or some snacks.