When it is blowing a freezing gale outside there is nothing you can do to keep any heat that you have generated inside the house. In these conditions, unless you have an enormously oversized heating installation, there is not a lot that you can do to keep the house remotely comfortable. Even if you could raise the temperature to a reasonable level the air movement would still make the house uncomfortable.woodburner wrote: I live in a victorian house with gappy windows. There is often a window open, but I may shut it on Thursday.
If the house is airtight you can always open a window. If the house leaks like a sieve shutting a window when it gets too cold and breezy will not make much of a difference. Not many people want to live in an ice box during the winter and it can be positively unhealthy to do so for some people: children and the old for instance. Warming a house and then letting that heat go is not good for the environment either but if you don't believe in global warming then I suppose the environment can go stuff itself.
Whether one sort of bacteria or mould grows or another will depend on the temperature and the humidity and this can be controlled by varying the heating temperature and ventilation rate controls. It just requires a bit of thought and education. If everyone adopted the attitude of "I like the cold so everyone else should" we would still all be living in 1700s houses with all the deaths from hypothermia that went with them.