Overall I think this is how ours is set:
Heat: 69° during the day and the evening, 58° overnight, 60° if nobody is home (rare since I worked from home even prior to the pandemic)
AC: 76° during the day, 74° in the evening, 73° overnight, 78° if nobody is home
In both cases, "if nobody is home" means for longer than just a few hours. I typically don't override if we both go to the grocery store or similar, for instance, because it's not long enough to make a difference, but if, say, we were to go to the golf course, or we were to go out to visit our favorite winery, I'll adjust it so as not to waste money heating or cooling the house when nobody's home.