The difference in settings based on indoor and outdoor temperatures.
In my part of the USA the humidity in summer makes life miserable; the heat is not so bad. When the A/C runs more it dehumidifes more. So on a very hot day when it is straining to do its job, running frequently if not constantly,80*F inside (when it is 90*F ouside) is comfortable because the humidity will be low.
When it is 80*F oustide the A/C doesn't need to run at that setting, the humidity will make it uncomfortable. So lowering the setting to say 75*F or less will help that.
In my house, heat was not generally needed until it reached 40*F or below outside. But as it got colder out (teens and 20's) the walls would get cold (probably poorly insulated) and one does not feel as comfortable as one's body heat radiates towards cold surfaces; windows, walls, ceilings etc. This necessitates turning UP the het. The opposite is true with radiant heating. One feels warmer at cooler room (ambient air) temperatures when surfaces are warm /giving off heat.
Excessive or not enough heating and/or cooling, I'd say, is a stress to one's bodily system and one catches colds, etc. The closer the indoor and the outdoor temps are to each-other (within reason) the less one's body stresses, IMHO
[this post was last edited: 6/7/2010-14:02]