House Temp - Comfort vs. Saving Money

I’m just curious whether people choose being comfortable over saving money in their house. In other words, do you set the temperature in your house really low in order to save money, or choose to set it at a comfortable temperature and absorb the additional expense?

So far this winter I have been setting my house to 72 during the day, but I decided I’m going to lower it to 70 and see what that does to our utility bills. I also know people who set it to 68 or even lower and just wear additional clothing because they are trying to save money on their utility bills. At night they set it even lower and just pile more blankets on their beds.

Does it really save enough money to justify being uncomfortable in your own house? When I was setting our main level to 68 and running a space heater in my office, I really noticed the difference between rooms. I was told that it might even be more expensive to operate a space heater vs. heating the main level of my house so I’m no longer using it.

For the record, we live in a 2 year-old house that is a lot more efficient than a lot of older houses. I work from home and I prefer to be comfortable during the day. We have two HVAC systems, one for the main level and one for the top level. I set the top level to 62 during the day when nobody is home and 70 at night.

Edit: I feel like we keep the temperature high compared to many people. I would never imagined so many people keep their thermostat set to 65 or lower. Maybe it is different in Colorado compared to other states.

My gas bill in December was only $140 so I really don’t feel the need to lower it too much. Early in the winter 72 feels cool because we were coming from 90 degree weather, now 70 feels comfortable.