If the sun is out and I am wearing any sort of coat, I start sweating pretty quickly and get too hot. The threshold is around 40-50F (5-10C) between comfortable in layers and uncomfortable in layers on a sunny day.
I leave my thermostat on at 65 (18c) during the winter. Unless it's below zero outside and the cold radiates through the walls / windows, I am still plenty comfortable. Summer.. AC is expensive so I manage. Plus it's broken and I need to figure out if just the fan motor needs to be replaced. Unit turns on, compressor works, but fan doesn't run.. so compressor overheats, pressure release valve gets triggered (hissing sound).. so I turn it off and haven't in a couple years. I probably suffer in misery maybe 15 days out of the year. Only when we have those stretches of 90+ days and it doesn't get cold enough at night, and even if I open every single window.. the house is still 10+ degrees over the lows.
But really, I am waiting on the IRA rebates which probably won't kick in until 2025 sadly. No point fixing / replacing my AC when I can get 8k off a new heatpump.