Maybe I'm being dense and saying the same thing as you, but it's more about the difference from outside to inside. In the mid Atlantic of the US, 22C can be pretty pleasant, but in the South turning it below 26C is a much more pleasant setting. Meanwhile, spend time in Southern China and you'll be laughed at for going below 30C, because it makes you nearly unable to go outside. If I feel like the humidity outside is going to condense on me when I take the dog out, I'm cooling my house too aggressively.
Similarly, I don't heat above 15C in the winter. That way, getting dressed to go outside is less complex than suiting up for a space walk.
I must admit that I don't know the difference in temperature from inside to outside - for half of the year (say May to October) we don't have heating on and we don't even have air conditioning (I don't know anyone who has air conditioning at home in Scotland).
The main difference I'd see between inside and outside is the lack of rain and wind in the former - temperature difference is secondary.
Similarly, I don't heat above 15C in the winter. That way, getting dressed to go outside is less complex than suiting up for a space walk.