We live in central Florida. We keep our house AC at 80 (78 when we're cleaning) and that's comfortable. It's a lot easier to go in and out when the temperature is closer to the outside temp. The AC takes out the humidity. In the winter we keep the furnace around 68 and turn it off at night so we can enjoy our flannel sheets and open windows. After living in the south for many years I just can't stand heavy blankets and comforters. We put flannel sheets on the bed, then I cut a large fleece blanket in half and put a half at the bottom of each side of the bed. Whoever gets cold first simply pulls up his/her half of the blanket.