Eg: in Canada one can keep their home a few degrees cooler in the winter to save quite a bit of money. Same idea in hotter climates -- keeping it 75 instead of 70 is something one can acclimatize to, but has more value when the out door temperature is 100f vs 80f.
Overall I think it's just momentum. When I had a nest I used the dynamic range that said only cool if my place is over 78 and only heat if it's 68. Everything else, just roll with the ambient.
Said acclimatization normally comes with downsides... When its hot, one might be less productive, feel less motivated to get stuff done, etc. It's pretty hard to measure that cost on a personal basis.
I grew up in a house with air conditioning on all the time during the summer and thought that there was no way I could ever handle indoor temperatures of, say, 75. Then I spent a couple years in Arizona and wanted to save on AC costs in the summer, it took a while to get used to, but now an indoor temperature of 70 in the summer feels very cold to me.
Now I'm comfortable at 78 with a ceiling fan, to me 75 is cold and 70 would be freezing
Let's say it's 100°F, and you're outdoors for 2 hours. You feel lethargic and sapped of energy, and you look forward to going inside. When you finally do, you get a gigantic cold beverage, take off your shoes, plop down on the couch, and wait to feel normal again. It might take 30 minutes before you start to get there.
If it's 65°F inside, this process happens faster than if it's 75°F.
No doubt, the moment you get inside, you already feel better whether it's 65°F or 75°F because neither one is 100°F. But if you're alternating between inside and outside a lot, colder is still preferable.