How about The part about it being unwise to run the ac at 68? And the “can’t imagine anybody being comfortable when tIs that cold”
That’s a common setting in my area.
To each their own in the world of heat and ac.
And you would be incorrect about no state requires insulation. It can create a condition of inhabitability in some areas. A rental in some states must be able to maintain a specified temperature to be considered habitable. If a lack of insulation causes it so the heating system can not maintain such a temperature, then yes, insulation would be required.

