When it gets cold, Americans turn up the thermostat. The rest of the world puts on a sweater.
When it gets cold enough that one can feel it, I wear a down jacket next to my down comforter and polyester blanket set. Any colder and I put my sleep bag underneath the blankets to keep my feet warm and put down my jacket hood. If its really cold, a balaclava keeps the face warm.
I’ve learned to do without heating since my landlord won’t pay for it.