Supplementary information to answer two PM's: I have an extremely good HVAC config (20 seer dual-compressor AC, 97.5 AFUE three-stage variable speed furnace/air handler) paired with a fully enclosed electronic 5" air filter that runs at 50% fan speed 24/7 for allergies. The house has superb insulation but is a larger tri-level (3600 sq/ft not including 975 sq/ft basement). I use a XL950 t-stat which allows me to set multiple temp alerts, so I have the stat e-mail/text me at 60, 55, and 50 degrees.. and I set the house to not engage until 50 degrees during the hours of 9-AM till the home point (currently set to 4:45PM). The XL950 learns how hard and fast it needs to work to kick in and get the temp to 70 degrees by 4:45 based on the difference between outside and inside temperature, so if it takes 45 minutes to get to 70 it turns on at 4, 60 minutes 3:45.. etc.
Last few days were -10 degrees, and the house hit 60 by 1PM, 55 by around 3. I'm primarily just making sure there isn't some common set point above the obvious 32 degree freezing point that I should be aware of for appliances or general building construction that would suffer dramatically past a certain point. Overall by doing this I've saved roughly 40% on my gas usage for the furnace as opposed to keeping the system running all day while I work.
Thanks for the replies so far!