Well, obviously if you did as your son suggested and turned up the heating, you might not need all those clothes.
On the other hand, you might not be able to afford to pay the heating bill, or be paying it at the expense of not eating properly.
If you are happy with the amount of heating you have on, and the amount of clothes you are wearing, plus managing still to pay all your bills, even with all the rising prices, that is all fine.
Your son can think what he likes, but unless his remarks were made in a kindly teasing fashion, I would have told him, if he had been my son, not to be so b****y cheeky!