I hate hot weather and I love to wear layers. We keep the upstairs at 58°, which is perfect for me with several layers of blankets and quilts. My husband is cold, so he keeps the electric blanket on all night. Downstairs, it's at 65-66° during the day and 62° at night. If I get cold during the day, I get up and do some stair climbing or vigorous cleaning or walking. We switched to geothermal, which allowed us to have air conditioning for the few summer days in the Catskills when it's too hot.