No, your point doesn't apply to anywhere in "the Western world". It depends on local weather, if there is wind or not, the amount of humidity, what kind of isolation your house has, but one of the most important is how many hours of daylight there are during the winter where you live.

We used to have a guy in my country who was telling us to wear a warmer coat during the winter to compensate for the complete lack of heat. He's no longer with as after 25 December 1989, but people still regret him.