My house was built in 1988 and is well-insulated. I find it cold indoors, but it has taken a few days to warm up. If I switched on a fan I would be reaching for a cardigan and more!
I sleep well with my bedroom window closed and I cover myself with a dressing gown, but my 15 tog duvet is not far away. I have used it this week!
I find it too hot to walk 10 minutes to the bus stop, as I no longer drive, so I opt for online shopping.
Inside my house is fine for me, but I doubt if anybody else could tolerate it.