I have a programmable thermostat and keep my house between 60 and 64. 60 at night, up to 63 in the morning, then if it is a day no one is home all day back down to 60. If I am home, I can bump up the thermostat, but never above 66.
Last winter m ex was not paying support and I could not afford to fill the oil tank. Many days the house was very cold, down to 52 a few times. I never want to be that cold again. I was able to fill the oil tank in August and have a credit to fill it one more time this winter.
When the weather stays below freezing I do turn on a couple oil filled radiators to augment the heat.
I do layer my clothes and I put a heating pad on in my bed 20 minutes before I go to bed.