Programmable Thermostats

I’ve heard setting a programmable thermostat back during the day does not save on energy costs because you use at least as much energy as you’ve saved getting your house back up to the desired temperature. Is this true?
I know that programmable thermostats aren’t right for everyone. Do you have recommendations on what type of households are best suited?
How much should I put back my heat or air conditioning while I’m gone during the day?
What temperature should I set my air conditioner during the summer (or my heat during the winter)?
I have base board water heat (boiler) in my home. Would it be beneficial to use a programmable thermostat?
Where should a thermostat (programmable or otherwise) be located in your house? Can it be near a cold air intake? Is it worth having a thermostat moved if it is in a bad spot?

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