In Colonial New England times:
There is a diary entry dating from Colonial New England, which I am unfortunately unable to locate online, in which the diarist relates sitting in front of his roaring fire while apples in a bowl on the table in the center of the room freeze solid.
That’s how cold it was in the room.
Back rooms of the house were routinely simply closed off for the winter, and folks huddled around the rooms opening off the main chimney stack with its multiple fireplaces, and tolerated the 32 degree temperatures, and noted with interest the fact that the apples were freezing, because after all, what else could they do? It wasn’t a question of what temperature could you find “tolerable”, because no matter how much you stoked your pre-Count-Rumford fireplace, 90% of the heat it produced was still going straight up the chimney. And a roaring fire actually increases the draftiness in the room, because it requires so much oxygen that it pulls even more cold air in from under the doors and around the windows.
And even after iron woodstoves were invented, before the advent of modern insulation and a central heating system to send the warm air throughout the house, there’s a limit to how hot you can stoke a woodstove before you run the risk of setting the house on fire. Chimney fires were, and still are, a real risk.
So you just tolerated the cold, because you didn’t have any options. And you suffered from things like chilblains. And you amassed a collection of feather beds and comforters, which are superbly warm. And you went to bed when it got dark and the mercury plummeted, because it was warmer under the eiderdown than walking around in the house.
People also wore headgear indoors (think of those Puritan headdresses, and of nightcaps), since most of the body heat that’s lost is lost through the top of your head, your scalp being rich in blood vessels in order to act as a heat exchanger for your brain which evolved in the tropics. So you put on a hat, and you keep warmer.