Well, looks like I have to rethink what settings I've been using.
I've been home the last two nights as they are my "off" schedule. I work 12 hour nightshifts, and stay awake all night even on my nights off. Anyway, I finally realized tonight that the digital furnace thermostat said it was 50 degrees inside the house! Yet, I wasn't cold in the slightest, and neither was my wife, and she's always cold. So I put a weather thermometer I have right by the furnace thermostat, and IT said it was 66 degrees! CRAP. I tried resetting the one showing 50 degrees, but nothing helped.
So, I just spent $35 for a new programmable thermostat which is a model higher, and replaced the bad one (the bad one was installed in 2005 when I had to have my furnace replaced. So it's 9 years old). It's all working fine now, and the new thermostat shows the correct inside temps.
Wow, I'm certainly glad I realized this before winter set in for sure, even with city gas it could have been costly.
Now I wonder how long it's been bad? Not that we've used it much the last month or so...