Chestnut
I think much depends on how warm our body heating is, some are chilly mortals and other people seem to generate their own heat. That will make a huge difference in whether you feel you need to heat your home or not, and what temperature you set your heating thermostat. Also whether you are active or not, as exercise keeps you warm. Unfortunately most older folk spend a good deal of time sitting and getting chilly, which is why those electric heated pads are so good.
A warm man can be useful. Why do men tend to be warmer than women I wonder?
After hearing about the fleece lined vests, I will have to get some for the comfort value if not the warmth. You may like to know, although it's much more mundane, that you can get thermal socks. Those, and a hot water bottle with a fleece lined pocket you can tuck your feet into help my neuropathy affected feet.