I set the thermostat at 60 when we went to bed. I am always the first one up - around 6 or 6:30 and turned the temp up.
That worked great in the motor home because it only took 20 minutes or so to get the inside temp up to 74.
Here in the stick house we have hot water heat and it is slow to bring the temp up so I have the programmable thermostats set to only drop the night time temp down to 67.
The bedroom thermostat drops to a setting of 67 at 4:00 but since the house is so well insulated the temp won't drop much before bedtime so I open a window until it drops down to 67.
We have the down comforter from the motor home on our king sized bed and Lee is fine with 67 degrees at night. Of course since she uses a CPAP machine and her air comes through a hose so she can cover her head up completely.