Here double pane has been the standard for about a century and triple pane after the eighties. No problems whatsoever. I don't even know what's the standard nowadays. Newer windows also quiet down traffic well and reduce the drafty feeling. So there are really very few excuses to not use them. But I don't know what's the name of the phenomenon when someone who uses some primitive technology comes out with all kinds o…
While the feeling may be similar to a draft (moving air), the actual phenomenon is radiant heat transfer. The warmth we feel is not just air temperature (which can be less than half), but also the surface temperatures:
* https://en.wikipedia.org/wiki/Mean_radiant_temperature
* http://www.healthyheating.com/Definitions/Mean%20Radiant.htm
If you sit near a heating radiator, fireplace, or campfire, you will feel warm because energy goes from high concentration (fire) to low/er concentration (your body).
But if you sit near a badly insulating window, your body has the higher amount of energy (heat) so energy goes from you to the window. You are the radiator for the window; the window is an 'anti-radiator' (it 'attracts' heat).