Y'all need a little brush up on physiology I see. A huge amount of heat leaves your body through your head if you wore even a tiny beret it would make you feel quite a bit warmer. Covering your ears and not your head is pointless.
I'm afraid of what our bills will be this winter in the new house. We have 2 furnaces one for the upstairs and one for the downstairs. Not surprisingly the one downstairs seems to run a lot more. The only good news is that they aren't too too old. I think they were bought in 97.