lol
There is usually an in between that works out very well.
Trust me, to save money the temperature has to be higher than I was willing to endure 2 years ago and in the winter the temperature has to lower than I was willing to endure 2 years ago!
The key here is location, trick is finding a micro-climate to live in where it’s not too cold and not too hot, comfortable almost year round. We live higher altitude desert where it is absolutely NICE 90% of the year. Very little heating or cooling even needed.