Is 20°C supposed to be austere? Is that a typo? I keep my American home at 67-68°F in the winter...
Chicago building codes require 68F as a minimum for residential in winter conditions, so I think that's reasonable as a "habitable minimum yet not necessarily ideal" benchmark: https://www.chicago.gov/city/en/depts/bldgs/supp_info/chicag...
The thing about the nations I mentioned is that they either barely use any AC, like Switzerland, or set it to 25°C or more, like Japan.
They embrace discomfort - most of the world does.
If it's in the 80s outside, I'll probably drop the inside temp to 76, again to keep humidity down. I rarely set it below that. 74 feels cold in my normal summer attire of shorts and a tee shirt. If we have an 80 degree day with low humidity, I'll open the windows.