[jve]

Ofcourse, it chills faster if you don't apply heating when its cold outside.

However that doesn't dictate inside temperature. Well, maybe if you heat with firewood - you will get high/low temperature rises/drops. But people just like 20+ inside. 22-23C for me is comfort. Currently 24C at office - higher is out of comfort, but happens.

Someone like lower temperatures. Someone wants to save some money and keeps temperature lower than comfort.

And yeah, warmer climate results in colder inside temperature, because houses are not very well insulated and may not have advanced heating systems. But that's just experience from few data points I know of (and some HN comments confirms that).