Thanks for the input everyone.
I'm in a large 1950s house. We have recently had a fair bit of work done on insulation (including CWI) but the house still seems to lose heat quite quickly (old aluminium framed windows with 10mm double glazed units won't be helping, I'm sure). I've been using 15C overnight, but I'm having long warm-up temperatures in the morning, maxing out our 30kW boiler for over an hour.
My heating engineer (who is EXCELLENT, if you're reading this!) suggested moving the DHW heat-up earlier, which I did, and I can see the morning spike not stressing the boiler quite so much now (although the noise of the boiler coming on at 5:30 is another matter...)
His next suggestion was to keep the house warmer overnight, and suggested 18C. Again, that has obviously had a beneficial impact on the gas usage first thing in the morning, but at the cost of overnight gas usage!
So I'm just trying to get a sense of whether 18C overnight, and ranging from there up to 21C during the day depending on occupancy and time of day is decadent, normal, or somewhere in between.