Where I live it gets cold enough for the pipes to freeze if I don't heat the house. While I can live in a tent and thus wear the same clothing indoors as outdoors, I consider not having to go outside for a bathroom a plus and thus I keep my house warm enough that I can have indoor plumbing. Once I have committed to having plumbing, the cost to heat to the point where I'm comfortable without extra layers is minimal.
I heat the house, I said 'so differently', I'll put a coat on - I just don't want to be rolling my sleeves down, putting a jumper on (perhaps taking my shirt off temporarily and putting a vest on), and then putting a coat on. I'll usually wear some light coat/jumper outside in summer anyway (UK!), so my point is just that I don't want extra things to put on (ok, a scarf & gloves) - they can be thicker and more waterproof than the summer ones.
