We keep the thermostat pretty low in the winter too, saving those dollars and energy. We keep it set at 68 degrees about 90% of the time. We'll turn it up first thing in the morning and at night when we're getting ready for bed, just to warm it up a bit.
My problem with the 68 degree temperature set, my bread doesn't rise well. I love baking bread too, especially in the winter. A nice, crusty french bread to accompany some soup... count me in!
So here's a tip on getting your bread to rise, even in the colder months.
Put in in the greased bowl as usual and cover with a towel. Place it in the oven. Turn the oven on to KEEP WARM and set the timer for 2 minutes. You don't have a "keep warm" setting? Then set your oven to 170 degrees F for 2 minutes. Don't forget that timer. Once the timer goes off, turn the oven off and leave the bread in, don't open that door and let that warm air out! No peeking!!! Let your bread rise as directed on your recipe. As soon as it's done, open your oven. Did it rise? Great! This has worked for me every time I do it. I even do it in the summer, so I know it will always rise!
Enjoy your bread!