We keep our house at 62°-64°. We have 8" of blown cellulose insulation and thermal pane windows so the temp is pretty constant and there are almost no drafts. The house if pretty tight. An engineer friend of mine was explaining to me that our bodies radiate heat towards cold windows (heat moves to cold) and the bigger the temperature differential the more heat we radiate toward to cold (I think it is perceived) The upshot is, hang a curtain in your window and the room will seem less cold to you.
These folks know from cold. We are all soft bellies.
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