Still not comfortable having skin exposed to the cold, and texting gloves never seem to work that great for me.

Hypothesis I would like to test one day - does the increase in calories (and therefore additional energy used to produce food) to heat your body offset the energy saved by reduced heating. Start by assuming person living alone.

Then could take it a step further increase number of people and take into account the body heat of each person (people produce alot of heat + water)

This comment is making me feel poor. I regularly wear a winter coat (and more) indoors instead of heating.

Assuming you live somewhere where the pipes won't freeze. That makes one heck of a mess.

You're going to pay for that in home repair bills in the long run though.

Unless you're living in an area that never goes below zero, which is not the case in most of Europe.

Mhm, sounds good. But when your walls are too cold and your humidity too high (cooking, showering, breathing, plants...) you run into mold issues fast, so it's not that easy.