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whats the best temp to set my thermostat at?

I live in a new 2 bed end terrace. I have GCH, which heats the water and gas hob.
On the boiler theres a knob with a snow flake that can go round to 6 then max. I normally have this at 4.
The radiators have temp dials that most of them are on the highest IIII ( downstairs toilet and 2nd bedroom are on II/III).
I currently have the thermostat on the lounge wall at 20 degree.

Is this the best option? I dont want to be wasting heating or using it wrong.(I'm all new to this)
Also the heating is on a timer, 45mins morning, 3 hourson a night.

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