Central air: 75F when I'm home, system off when I'm not (where "not" means traveling, since when I'm not traveling, I'm home 24x7). I've had my AC on for the sum total of a week and half this year. In the winter, oil heat set at 60F when home and 45F when not (to keep the pipes from freezing). If I'm gone for more than a couple weeks, I'll drain the pipes and shut off the water, too. Unsurprisingly, I show up as extremely efficient to my electric company.