If we aren't on vacation {a few days every couple of years}, we set the thermostat at 75 in the summer, and 71 or 72 in the winter. We recently had a high efficiency HVAC installed and it came with a programmable thermostat. The 30 seconds of instructions my wife got from the installer were as worthless as the couple of page programming manual that came with it. You don't really need too much though, if you just set it at one temperature 24/7.
We did downsize from a 3 ton to a 2 ton unit after an energy audit confirmed we were efficient enough to do it. The auditor recommended an additional 5" of insulation if we planned to go that route, so I had 10" blown in. After all, if 5" is good, 10" must be better.
Haven't had it long enough to compare our consumption to our old 12 SEER. Our regular usage last month came to 623 kWh so, we'll see in about 3 more weeks.