Earlier quoted context omitted.
One place you still need heat is the shower. Maybe some people are okay with taking a shower in 45F ambient temps, but I would resist it.
You’d be surprised how quickly you can get used to cold showers. I’ve been only cold showering for about 5 years now
When our gas went out in the summer, taking a 'cold' shower was bearable, some days even enjoyable.
In the freezing winter? Tried it once, never again. I'm not even sure it would be safe to shower in water that cold for any long periods of time.