I rent a farmhouse built in 1920....no insulation. Heat is set at 64.
My house was built in 1930. Same situation with the insulation and thermostat setting--64.
But I'm near San Diego. It's 61 here, going up to 66. 72 projected for Christmas Day.
I’m in NY state and it’s 9 degrees right now. When I sit for awhile, I use a heating pad or heated throw. I hate winter.