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.
The main difference I'd see between inside and outside is the lack of rain and wind in the former - temperature difference is secondary.
Edit: I remember going to the halls at Uni for the first time and nearly dying of the heat - never lived anywhere that had central heating. Got used to and, of course, felt like I'd been exiled to Siberia when I went to my parents ramshackle large house for the Xmas break.
Also, my workplace keeps inside air conditioning much cooler than I would, around 20C, which is uncomfortably cold when I'm dressed for the summer weather (ranges from 27C to 38C).
I've set my apartment to 26C. I find that without the humidity (since the AC deals with that too), 26C is actually not too bad for the summer.
I've noticed temperatures in Scotland on mountains feeling much colder than lower temperatures in the Alps.
In Denver, I could run for an hour in direct sunlight with the temperature about 30 C. In Washington, DC, that would have been suicidal.