As a result if you talk to Americans about this you might find all kinds of nonsense objections, like calling wool an expensive luxury.
One of the truly formative experiences of my life was the first time I slept in below-freezing weather outdoors. All it took was about $250 worth combined of wool clothing and a well rated sleeping bag. It really made me realize how much more powerful body insulation is in the fight against winter cold. Suddenly it makes sense why in old Victorian books, everyone is wearing nightcaps.
But it's not even that expensive. Like yeah, it does cost more upfront compared to cheap clothes that provide no temperature regulating function, just cover you up. I get it. If you're very poor, it's harder.
But if wearing more wool allows you to lower the thermostat, it can pay for itself massively.
For example, a good pair of very warm long underwear is about $100, and will last 2 winters (let's say 5 months each, total of 10 months) if you are too lazy to ever mend it, significantly longer if you invest half an hour a year or so into mending holes and take good care of it (eg, only wear it under pants to reduce wear)
That is about $10 a month (or half as much or less if you mend) and you can easily be comfortable 10 degrees cooler with it. If you can't save $10 a month by lowering the temperature 10 degrees
If you are worried about your heat bill, first invest in wool. It will pay for itself very quickly.
[1] All temps in this post in Fahrenheit. Not sorry, it's better for weather discussions while Centigrade is better for chemistry/cooking.