I get cold unless I'm bundled up, especially after dark in winter, so I keep the thermostat low-ish, since no matter how high I set it I'll still feel cold.
I use a programmable thermostat, because I'm allergic to getting out of my nice warm bed until I don't have to worry about seeing my breath anymore, and I hate coming home to a cold house.
I used to let it drop to 45 at night, but my current house is old and thermally-leaky and takes to long to warm up, so now it's 52ish at night. I 'cheat' and use an electric blanket to warm up my bed and then I keep it on low at night, its awesome and cozy that way.
When I'm home I have it around 62-64, and if I'm absolutely freezing I bump it up a bit. I make my own microwaveable neck warmers--go to the dollar store and get a bag of beans and some long socks and sew the beans into the socks. I love having little puddles of warmth draped around my neck or at my feet. I have wool socks, but don't really use them around the house. I do keep bundled up in sweaters ad sweatpants and things, though, and usually have blankets nearby for when I'm cuddled up on the couch reading a book or something.