I dress quite warm in the winter. Using layers, including thermal vest. Not able to do very much, I do sit for long periods in my reclining armchair.
I keep a think throw nearby and put that over my legs and feel very comfortable. So, I do not have my central heating on much during the daytime.
However, my room thermometer often tells me it is 16 or 17 degrees at this time , and my daughter, in whose family bubble I am shouts at me that this is unsafe.
She insists that any living room I am in MUST have a minimum temperature of 18 degrees or higher. When I say I do not feel at all cold, she says that is beside the point.
If at any time I feel at all chilly, I just put on my heating, but do wonder the necessity of doing so if I am not feeling cold.
I've got another 'keen'... Ouch!