Sparkly Granma you sound just like me ! I don't feel the cold as much as OH cos he's 15 years older than me..so we spend most days in different rooms ,,he refuses to put on more layers and keeps the expensive heating on (a total of 4000 watts !) I stay in the lounge with no heating until evening ..but I wear lacey look thermal undies ,,short sleeved V neck vests and pants to the knee under my clothes ! SO toasty ! I think if anyone kept their coat on I would suggest they sit in the conservatory with himself (I keep telling him it would be warmer in the lounge but he likes to see the garden and the birds !),,,,but I wouldn't mind ...as you say, we never have visitors so it doesn't arise ! I suppose I might offer them a pashmina (if a female !) If I am cold I put another jumper over whatever I have on ! After living on a Spanish island where it was always hot, even in winterm that was too hot for me ! Then moved to Brittany where there was snow ...too cold ! Here is not so bad ...we are like the three bears !