The answer is it has varied depending on my life situation:
When I was single: As long as possible, house tstat set to 55 deg around the clock to prevent pipe freezing, wall cracks, etc. Didn't even bother with a programmable tstat since I set the tstat at the minimum anyways.
After marriage: 66 house programable tstat/60 at night + space heaters for the space my wife is in.
After kids: house tstat programmed to 68 around the clock, space heaters used sparingly, tstat regularly bumped up to 70 by wife throughout the day on a 2 hour timer, which resets back to 68.
How times have changed.