Luckily the house is and gets warm easily, we wear jumpers in winter, summer is ok except it does get warm in the house, warmer than other houses I've lived in, it can be uncomfortable sometimes.
The hot water is an issue, my daughter insists on very hot water, whenever she wants it but it's not worth the grief arguing over, money isn't an issue ! In a difficult situation she might find the new life, a struggle lol
I'm retired now but I don't feel the cold and it's easy to put on a jumper.
I'd have no.problem where we live, with no heating, it wouldn't be difficult to take the chill off.
I lived in a house, with only a coal fire in the lounge and a back boiler, it wasn't a struggle.
Work leaving the house at 6:00, feed the fire you built up before bed last night, leaving the lounge door open n bedroom doors open, whoever's in the house during the day, either let the fire go down, clean and reset it, or just keep it going until the home time crew come home.
If you're out all day and the fire dies, clean n reset it, keep your coat on while you do.
We survived surprisingly !