@sharpener"You could keep turning it down" is a bit of a straw man. 😀 My point here is mainly about tolerance (dynamic and static) of deviations from a selected preferred temperature. Yes, indeed, if you are too hot all the time then move your setpoint down. However, not all users of the same home have the same preferred setpoint or tolerance just to complicate issues, and each of us have our tolerance affected by things such as external weather, time of day, recent activity levels, ...
I note that my daughter wants a set point far higher than I do, at a point where I am beginning to feel uncomfortably warm sometimes. And she is dressed sensibly! So our rooms have different set points: hard to acheive without zoning.