Radiators should be so hot that you're unable to hold your hand on them for more than a second or two. Also it can be freezing outside but 13 inside. My house will cool to 12 over a day from 20 degrees. It will sit at 12 for a long time in these freezing temps.
My house losses a lot of heat (it's a single brick building), compared to last year I'm losing a lot less heat than previously.
That's why I was surprised it wasn't as cold as I'd expect it to be