There are several different ways to build a stone house. One method is to use a slip-form, but that isn't traditional stone building. However, it does afford one to insert x-mm of hard board insulation in the center of the wall (or offset towards the outside of the wall). Thomas J. Elpel has a book on this technique. If you take in to account the lay of the
land, the positioning of the domicile (main orientation) and passive
solar design you should not have to worry about too warm or too cold.
I plan on building my walls 2' thick (~61 centimeters?) with 3" (~8cm) of insulation sandwiched ~9" (~23cm) in from the outside surface.