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20C in wintertime is quite cool for North America, in my opinion. I think 23C is commonly considered "comfortable," but obviously that will vary significantly by individual.

Chicago building codes require 68F as a minimum for residential in winter conditions, so I think that's reasonable as a "habitable minimum yet not necessarily ideal" benchmark: https://www.chicago.gov/city/en/depts/bldgs/supp_info/chicag...

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Wow. Obviously there are humidity differences during different seasons, but 23°C is probably the limit of "this is uncomfortably warm" for me if I set my thermostat above that.
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Me too, but my husband and guests are clearly uncomfortably cold at my preferred 66/67, and my sister with poor circulation just about has her hands go numb.
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And to what temperature do you set your AC in the summer?
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