The cool thing is you can make it part of the interior. I have 3 panels hanging from the ceiling, 1 painting and one mirror. They can be integrated into hanging or floating ceilings and usually have standard dimensions. You have to be aware, that most panels do not have thermostat. They have only one operating mode - On. In order to regulate them, you have to put a thermostat on the electrical line before it(essentially a smart switch). There are thermostats for wall integration. I use those, the cables are hidden in the wall and the actual thermostat is mobile so it can measure temperature at any location in the room. There are also thermostats which are plugged directly on electrical sockets for more integration out of the box. The price is comparable to any other heating solution and the consumption is a little less than air conditioner. Mine came with 5 year warranty. I just hope that they last longer, but with the exception of the painting, all the rest are easily replaceable.
For air conditioning the best part of it is the dehumidifiation. It doesn't need to be arctic cold just the dryer air and a bit of cool is OK.
I've also been sitting quietly at home and suddenly half my thumb goes purple and the other half is fine.
You know it's Raynaud's syndrome because it feels like someone hit your hand with a hammer. It's not just cold hands it's the pain too.
Buildings are often (not always) set to 24-25C in summer, and 21-22C in winter.
*no figures sorry, just in my experience
IIRC a person can be approximated as 100 watts of heating. If you add up everyone in the full restaurant or theater you get quite the number for how much heat the people themeselves are putting out.
Infectious disease would be more of a concern, but the submarine itself is a pretty effective quarantine.
Heat recovery ventilators can largely solve this problem, while also reducing particulate pollution indoors.
And buildings will be much more pleasant. It's possible that people would be smarter, too (as opposed to being shut up in a badly ventilated conference room for an hour or two).
There are costs, as heat or/AC will have to run more to keep the temperature in the right range.