That's usually true... But for a few years I lived in a very well insulated (smallish) apartment in a moderate climate. When it would get cold, I would turn th

That's usually true... But for a few years I lived in a very well insulated (smallish) apartment in a moderate climate. When it would get cold, I would turn the heat on. My bill would go up by a few dollars. Then, I changed jobs and started working in a colder building. I spent more on warm clothes than I usually spent on heat! (And I had baseboard resistive heating, and I payed extra for wind power.)