I have used an electric mattress pad for many years now. My current one was a post-winter Walmart sale; $40 for queen size. We also use it for warming up the bed and then turn it down to #1 (or off; my wife sleeps warmer than I do). The cats do not provide enough heat for the two of them and the two of us.

We turn the house thermostat all the way down at night but the room temp rarely drops lower than the upper 50's since we re-insulated and re-windowed the house.

For staying warm while reading or TV I add a stocking cap (no hair any more) and if it is running colder in the house I have the old insulated bib overalls I used for cold weather motorcycling. Fleece sweatpants are also a help.