How cold is COLD to you? It seems when people talk about it being so cold, it's not really cold to me. Of course, it's what you are used to. One does acclimatize to one's environment.

And what temperature do you set your thermostat to in wintertime (if you do have winter, obviously)?

To me COLD is probably anything -20C or below (-4F). My thermostat is set at 15C (59F) during the day and 14C (57F) overnight. I sleep in a room without heating even in the coldest day in winter (down to -40's C, which I think is the same in F). I would just turn on my mattress heater and fan heater for about an hour before bed to take the chill out, and turn them off when I go to bed. I had tried sleeping in a heated room and that just about killed me. Most of my critters are well-furred, and my reptiles and tarantulas have their own heating systems.