There’s some element of comfort vs necessity here, I think… really, people could be keeping their houses at, like… 55F and they’d be totally fine. They just need to get acclimated to it.

On the other hand, depending on the humidity, heats over like 85F start becoming a health risk for some activities.

As someone acclimated to warmer weather, I disagree. People work outside in 85, 90, 95° weather without health problems all the time. Hydrate and your body will acclimate.