You ladies would die in my house. We don't even have heat, just a woodstove. We usually make a fire when it's 60deg. inside. Our downstairs stays nice most of the time, but the upstairs is cold so we bundle up. If I get too cold I run a small ceramic heater in whatever room I happen to be in. I also use one to heat the bathroom before I take a shower. Our room is over the garage and gets near freezing, which we find excellent sleeping weather. We love flannel sheets and a featherbed plus several blankets. The last couple of years I have used a heating blanket, but keep only my side warm.
We heat with 10 face cord a year for $650, and still have a utility bill of $150 a month, so I would not want to pay for central heat. And one thing I love about heating with wood is that it is silent...I hate hearing a furnace run. Different strokes for different folks!