I'm having issues with feeling cold while sitting on my couch in front of my living room window. The window is surrounded by a regular window box which creates a small ledge at the bottom of it and then the wall goes from there to the floor. The wall is cool, the ledge is cold and the window is really cold to the touch.
What's the solution for this and if it's replacing the windows, does that commonly pay for itself with heat retention in the future?