We keep it at 68 in the daytime too. It suits dh fine but I freeze so I wear long underwear and wool socks, lots of layers. We have thermal windows and a high efficiency furnace. I keep my feet up off the floor when watching tv, reading and knitting and a blanket over my lap. Sometimes a hat in the house too and flip-top mittens. The dogs and cat snuggle with me too and that helps. I run the dishwasher in the daytime unless its below freezing, then its at night. We think that extra warmth could add some extra insurance against pipes freezing. I drink more hot tea in the winter as it seems to warm me more than coffee. Never thought I would say it but sometimes its nice to have a hot flash or two in the winter.