I use my electric blanket OVER my sheet, quilt, and bedspread, turned on High about 3-5 minutes before I get into bed and it warms my bed pretty well. I leave it on medium while I read, then turn it off to sleep. The few times I have forgotten to turn it off, I was too sweaty in the morning or when I did wake up.
I looked for these heated mattress pads a couple years ago and didn't find any under $100. It's nice to see they are more available now as I may have to replace my blanket in a couple years.
Jan in VA