Pedantic or not. Understanding the relationship between temperature, relative and absolute humidity has never seriously harmed anyone.
But the situation is basically clear here, right?
20°C room temperature is simply too low, heat it up to 22-23°C. That of course means 15-20% higher heating costs, I get that too.
We had exactly the same problem in our rented apartment in the winter of 2022/23 when we were all supposed to save gas. Previously everywhere was 23°, then I lowered the temperature in the study to 20°C and after 3 weeks mold appeared on the north wall. The 3 winters before with 22-23°C there was none.