I'm the type of person who likes being cold vs. hot and have my thermostat set at 66-68 in the Summer. In the winter, it's about 68-70, but I feel like my place is FREEZING at this temperature. I can't tell if it's the insulation in my building or if my furnace has an issue. What do you set your temp at in the winter? Maybe I need to boost it up to 70-72 and see if that helps. Thoughts?