I have discovered that if I keep my house at 60 when occupied, and 45 at night or when empty I have a greater tolerance for the winter cold. Sometimes as a treat I run the house up to 62 and it fells absolutely steamy. I heat with wood, with a oil/hotwater heat as backup. I burn about 6 cords of wood a year. At 66 I find that my hands get cold, like now while I'm typing, but sweaters are one of the keys. Another requirement is a humidifier running full blast all winter. About 5 gallons a day to keep the hardwood floors from shrinking too much. In a good winter I never turn the oil heat thermostats on at all unless I will be away for more than 18 hours. Then the t-stats are set at 45. I live alone so no one complains, and my dog has never commented on it.
Cold showers under these conditions would be awful. Just getting out from a down loaded bed is chilling enough some mornings. I also have been known to hike in bunting shorts all winter.