I get that NZ is fairly temperate. Still, would you feel comfortable inside on a winters morning with your thermostat set to 40F?
That was my life for a while. The bedroom was warmer (space heater still worked despite gaps in the floor boards & single glazed windows). I'd get up out of bed, put on a few layers of clothing, then walk out into the cold living room to start a wood fire. Completely normal thing to do here for all but the wealthiest people.