There are places in the US where it would cost money to set it to 65 and it's cheaper to set it to 77 (cough Phoenix cough).

We typically leave the thermostat at 79 or 80, and even then that's several hundred a month in AC.

If there's one thing I've learned it's not to cheap out on common life luxuries. I've actually gotten rid of any friends who thought it was worth the sacrifice of huddling with a blanket to save $50 a month. Especially when I was over their homes. Fuck that. Don't tout your own incapacities as wisdom.