This morning it was 14 F outside. It is chilly in the downstairs of the old house we rent, and quite warmer in the upstairs bedrooms. Evidence of significant stack effect in this rental house.
I went and checked my PHPP analysis for the new house...I used 12 F as the minimum winter temperature to design heating for.
I consider this a reminder from Mother Nature as I look for cost cutting measures in the house we are going to build. Her reminder: don't skimp on the insulation or the air sealing, no matter what anybody tells you.