Agreed! I checked with the heating engineer when I moved into our present place and he came to service the heating system. He told me the “ideal” temperature setting was 16 to 18 degrees in the bedrooms and 20 to 23 degrees in the living rooms. But the problem is people have different thermal sensitivites. My other half “feels the cold”. When we lived in the UK she would set the thermostat to 25 to 30 degrees! For me it was unbearable. So we react very differently to a temperature of 22 degrees. It's quite enough for me but nowhere near toasty enough for my wife I don’t know why some folks feel the cold more than others. Age has something to do with it. Probably metabolic, physical and psycological factors. But whatever the actual temperature, there’s nothing worse than feeling cold. I would get a room thermometer and check the actual air temperature, as you suggest. If it’s within the recommended range and it’s still not enough why not buy one of the mobile plug in electric/oil radiators to provide a bit of a boost. Might cost you a bit more to run but it won’t break the bank if you use it sensibly.