Alchemysa,
We live in a high thermal mass home, it has 100 cu yards of concrete exposed mass on the interior. A total of 400 cu yards including exterior ICF walls. The floors are on steel bar joists with no contact with earth. All the floors are stained concrete. It is a south facing home with a lot of triple pane glass with 32' overhangs. The overhangs were designed to allow max solar during the winter and minimum in the summer.
Each space has in floor radiant heat with a separate t-stat, meaning guest rooms are closed off and not heated. The wood frame interior walls separating these rooms are insulated to insure this is done.
As many have mentioned, the mass acts as a flywheel. So for example, Mid Spring and mid Fall nearly never call for heat or AC. Warm Spring days are offset by cool Spring nights. During the Spring/Fall time frame, there is still 1/2 solar exposure due to the overhangs. Late Spring/early Summer where where it is low 60's at night but high 70's or more, we open some windows during the night. The home stays cool all day after closing.
During the Summer, due to the flywheel effect, the AC often runs late at night. This is fine because it's the coolest time of the day. So you can imagine an AC unit cooling a home to 74 deg with an ambient air of 70-72 deg outside is nearly no load.
During the winter, the heat will not come on if the sun is shinning. But the fact is, Indiana can have some cold gloomy days and requires heat. We leave the heat set constant all Winter, there is almost no way to fight the flywheel by Setback thinking. To give an example of the power of mass during the winter, we had the power go out during an ice storm a few years back. The power was out for 5 days and the temps were in the 'teens. Over that time frame all my neighbors with out wood heat ended up moving out due to frozen water pipes. Our house temp dropped by only 5 deg. It even rose on a sunny day!
At this time we heat with an electric boiler but I would like to install a wood boiler. It would take years for payback though. We do work from the home but other than the window opening/closing for a month in optimum times of Spring/Fall, we do nothing.