No chrissa1, I'm just prudent. I don't have an electric shower, it's fed off the tank so I rarely have the hot water on in the week because I shower when I get to work(obviously I have it on when I'm off work with hols, weekend etc).
I tend to boil my hot water when doing washing up, again no point in having the water on constantly just for me. As I often cycle to work anyway there's no point showering before I go, better and fresher to do it when I get there.
I have the heating on/put gas fire on in the living room when needed to 'take the edge off' as it were but don't have it on during the night, I just switch on the leccy blanket 15 minutes before bed and take a hot water bottle with me.
In this weather, indoors I slob around in thick socks, joggers, sweatshirt and fleece dressing gown.