Heating and Temperature Settings

We keep our house fairly cool.
"Fairly" means between 60 and 68 degrees Fahrenheit. During the day we usually have around 64 degrees and during the night we scale down to 60.
When my youngest daughter (3 years) is old enough to pull up the blankets she kicks off during the night, we will set the heater to 55 degrees over night.
(I have realized by now that I should have made her some sort of sleeping bag, like those sleepers she wore as a baby. But I was concerned that it would be too confusing at night if she had to go potty.)
The benefits? Well, for one, it saves heating costs and is good for the environment. But it saves in other areas too. We don't need humidifiers any more. Our skin has gotten better. (Both my son and I have dry skin.) And my children seem to get less colds. (I read somewhere that that has something to do with the decreased difference between inside and outside temperature.)
It has its challenges. For one, we need to dress in layers, so we can add and shed whenever we need to. I am not talking about tons of clothing. I'm talking tights/long undies, pants, undershirt, warm sweater and slippers. You don't have to run around in socks. My children (and husband) refuse to do so sometimes. (And get surprised when they are cold.) My husband is in fact the type who would love to run around in wife beaters and shorts all year long. (Grow up. It is winter! Wear a sweater!)
It can be challenging when we have guests and I forget to turn up the heat. Sometimes I noticed only while saying goodbye that our visitors never took off their jackets. (Again, if it is in the 20s outside, you don't have to wear a dress shirt. There are tons of stylish wool sweaters you can wear over a shirt and still look business casual.)
It's also hard to adjust to those who seem to need 72 degrees year round. I noticed the other day at our local library that they don't have hooks or lockers for clothing. They seem to expect people to come into the building dressed for summery temperatures, not for reality. (We had had one of the worst snowstorms in recent years.) So besides a big book bag, I also had to lug sweaters, scarfs, hats, mittens and jackets for three people around the building. This however seems to be a sign of our recent, wasteful times. In the main library building in the city of Richmond, they do have a coat room. The place was opened in 1956. People were smarter in those days.
My son's preschool is another example. They crank up the heating so high that some of the students wear short arm t-shirts inside while the temperature outside is below freezing.
But like I said, the benefits outweigh the annoyances for us, so we just plow on.