Both DH and I are "nesh"(word I've picked up via co-workers, meaning that we both feel the cold more than other people do. DH confirmed it. May be just a northern or northwestern term, though), but we turned of all of the central heating. I'm sitting in long pants, fleece, tshirt and undershirt. DH is in denim shirt, tshirt, jeans, socks and slippers. But, we won't turn the heating on till probably Nov or Dec. Needs must, though!