I lived for several years without any AC, and while it sometimes got a bit too much (like when I would just sit and watch TV and end up sweating), I didn't feel I needed it that much. Even my car didn't have air (which was a bit too much at times, but I had bought it when I lived in a cooler temperature zone).
I have several sweatshirts that I bought when I used to go to movies on Friday afternoons when I was a grad student, and the theaters were way too cool, so I ended up buying a university sweatshirt on sale!
I do hate 'overcooling," which is what a lot of people are used to, it seems. Once, when I went to my neighbor's in the summer, when she opened the door, a blast of too-cold air came out. I'll bet she had it set at 68 (which is where I set my heat during the day in winter), while it was near 100 degrees outside (what a waste of energy!). I also hate being in someone's car and they are blasting the air and I get chilled. Most of the time, I don't use my car AC, and just have the air flow going. When I do use car AC, it's usually just to cool the car down (though if I keep my California Car Cover on my car in the driveway, the inside remains about 10-20 degrees cooler than the outside air.
I usually use AC when the temp outside is above 90, and I turn the air to 80, mostly to reduce the humidity some.
Ironically, I sometimes have to put the AC on to make my old, diabetic cat more comfortable, and I end up putting on a sweatshirt to not get 'too cold' (even though I don't set it below 72).