Yeah, nah, I'm on the side of the government paying for utilities. Human right to electricity. Figure out a system to prevent overuse, but everyone deserves to have heating and cooling when needed.
That said, definitely wear a sweater in the winter if you can. Acclimate to the season and you'll hate going outside a lot less, and need less heating in the winter. I typically don't heat most of my home in the winter (I don't have central heating). I just use a space heater in whatever room I'm in, and move it to the next room with me, and wear warm clothes. I'm in Tennessee, which routinely gets well below freezing in the winter. Not ideal, but it works
32f is the same as 0c, and they're both freezing. 0c is the temp at which brine freezes, but nobody really knows/cares about that. Where I live it down to -25f/-31c at least a few times a year, and normally you can expect at least a few weeks to a month below 32f/0c, but the last few years have been mild