I’m 43 and my dad is 75; my grandfather would be 111 if still alive (though he did live to 97). We all grew up in the northeastern US, which has cold, snowy win

I’m 43 and my dad is 75; my grandfather would be 111 if still alive (though he did live to 97). We all grew up in the northeastern US, which has cold, snowy winters. My grandfather spoke of needing to go outside, retrieve a bucket of coal, and use it to start heating the house in the morning. My dad speaks of having a pile of blankets on his bed and being able to see his breath in his room in the morning. I grew up wearing footed pajamas to bed and my dad frequently wearing a ski-type hat around the house to regulate temperature. Even today, I wear a hat at my desk in the winter, though I’ve typically lived in older, draftier houses. I wear a flannel shirt unless I’m very active in the house. I now live in a temperate climate, but still: old house. We turn the heat down significantly at night and use wool blankets. I can certainly afford to set the heater higher at all times, but it just seems like a waste when I could so easily throw on a layer, versus spending more money, fossil fuels (even with carbon offsets), and wear and tear on the HVAC system by pushing a button instead.