For a not so small minority, it's more of a if you can afford that cost (ironically, probably more of an issue in places without pipe-freeze-busting temperature

For a not so small minority, it's more of a if you can afford that cost (ironically, probably more of an issue in places without pipe-freeze-busting temperatures). (And they probably cannot afford redoing insulation of where they live either, assuming they even own rather than rent.) P.S.: The hot water bottle is pretty great, in particular when sick.