Our heating does not have an on/off switch. Just a thermostat, which is set at 18.5degrees all year. Currently it has been coming on every morning and sometimes in the evenings as well.
jusnoneed how warm or cold you feel has little to do with personal choice or experience. At school in the 1950s, when some girls were running around in their shirt sleeves, I would be wearing a sweater over my blouse and sometimes a blazer as well. Whether I like it or not I am sensitive to the cold.
A few weeks ago we did a boot sale with this current cold wind. Despite two layers, when I finished I realised I had mild hypothermia. I had, over the morning, gently cooled down until I felt cold to the core. When I got home I had a hot bath and a hot drink, until my core temperature was back to normal.
It is not that I do not like the cold, I love a walk out in the cold, providing I have sufficient layers on to keep me warm.
I also suffer from Raynauds syndrome, which is another reason for keeping warm at home and well wrapped outside.