I do not consider it cold until it is 0 degrees C. And you are right that layers of clothes are the key. How much is your rent and what do you get for that?
I'm paying 11k RUB a month for a rather old apartment with old furniture. It has an old Soviet washing machine, an old Soviet fridge, an old Soviet vacuum cleaner (no idea if it even works), central heating, modern windows with a few layers (no idea what they're called in the US / in the UK) and around 30 m2 of living space left after everything's allocated (not to mention the equipped toilet/bathroom, a sofa/bed and other such commodities). It's livable, but the ants make me want to leave the soonest; I'm going to look for another apartment after the New Year, as it's the time quite a few students leave due to failing the exams. I consider it quite pricey for such conditions of living, and I'd rather pay a few extra thousands to pick a better apartment. For a comparison, for 11k you can get a modern, capable smartphone; or a few months' worth of food; or three to four China-made tuxedos for the same price.
So that equals about 155 Euros a month for 325 square feet. I believe they would be called window coverings, or drapes if they are cloth. And I have no idea why you would need four tuxedos. Maybe to keep the ants away. :)
For a bit more space, actually. The 30 meters squared mark was to note the living space, not the overall apartment space. I meant the windows themselves. Four tuxedos were price comparison. :)So that equals about 155 Euros a month for 325 square feet.
I believe they would be called window coverings, or drapes if they are cloth.