Quote Quoting jk
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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.

It is unwise to run an AC at 68 degrees. The best of AC units would freeze over at anything under 70 degrees. And there is no law in Oklahoma that requires the landlord to maintain a temperature during summer months. For that matter, Oklahoma does not even require a landlord to provide AC.