>> Right? What am I missing? <<
Groo,
You were kidding, right? Let's see... you live in Florida, right? <img src="/images/graemlins/smirk.gif" alt="" />
(An insulated tent is not backpackable - bulk and weight. The few that I know of are designed to be heated and cooled.)
Here's a classic: There are situations where one simply must run a stove inside a tent in order to make water. Once it's water, we COULD maybe stay outside in the deep dark howling wind ice crystals cutting exposed skin conditions and use up our fuel trying to heat it - or maybe not. These days, fewer and fewer climbers use liquid fuel stoves and all hacks and tricks aside, the fuel cannister has to be kept around freezing or warmer AND have heat input because it is cooling itself from gas expansion (like an AC evaporator).
Infinite number of other reasons/situations, the vast majority of which deal with very cold temps and/or cold temps and winds.
As far as heat for comfort reasons, you are basically correct - there are far fewer situations where it really makes objective sense to burn fuel in a tent simply for warming it up. Especially not small volume backpacking tents as opposed to large (usually canvas) tents that are designed to have a wood burning stove in them.
Ahem - unless we are talking about dire survival situations - when we can least afford to have a mishap.
Surely others here besides me have experiences to chime in with...? You don't have to be above the treeline or in the far North to encounter situations where running a stove for heat inside a tent is the lesser of two evils.
To be objective: Short of some huge catastrophe, even where I live, one is very unlikely to ever get into that sort of a situation - some sort of rescue / refuge is usually going to be close enough. My experiences come from the time I've spent and spend in more remote areas.
Regards,
Tom