The house barely needs it... insulation takes most of the edge off and running the heater very briefly in the morning takes off the rest of the nippy edge. Inside, the house it rarely gets below 60.
The boat is small enough that body heat inside the closed cabin makes it warm and cozy in no time. Kinda fun listening to the rain hit the cabin top. I found a couple of leaks just sitting in the boat on a rainy day and I've replaced those seals... so she is nice and dry inside.
If it gets a bit warm, all I have to do is open a portlight and enough cool air comes in to whisk away that clammy feeling.