Have not needed heating on in mornings yet this Autumn. Heating is on timer, but I keep the thermostat turned right down during summer and just turn it up during those timed hours if I need it. During this last week have actually had it on for two or three hours in the evenings, usually from about 5 pm to 8 ish. Then I have it on for about 21 degrees. However, radiators are turned off in both bedrooms, cannot stand trying to sleep in a warmed room and still had bedroom window open 24/7 up until earlier this week.
My flat is obviously quite warm and comfortable. Once I have settled down in the evening, in my nightie (still short sleeved cotton summer one) and fleece dressing gown. Have a small throw (knitted to match colour system of my Living room) over my knees, I really do not feel any cold. However, my daughter has a habit of just dropping over some evenings to visit me, and if she does not see the heating on she gives me the oft-repeated lecture as on the dangers of breathing in cold air, etc. etc at my age!!!