We've been on an annual budget plan for years where they bill you a fixed amount each month, and then we ante-up any overage in July and they issue an adjusted rate for the next year based on current cost. My monthly was $182/mo. but now it's $454/mo. effective July. Our boiler uses oil for both hot water and baseboard heat, and it's not like we can just rip it out and replace it with all-electric stuff without a huge outlay.
I'm really torqued over this. If you're a heating oil consumer, prepare yourself to take it in the rear.
Maybe in your scenario but the OUTSIDE temperature is what really matters and how much insulation is in the attic. Heat rises.....right into the attic and out the roof. Check around your neighborhood after a snowfall and see who's house loses the snow the fastest OFF the roof. Dead give away...not enough insulation. And that will VERY Much affect your heating bill! And how hard your furnace has to work to keep the temperature up at 72. Which to me is way to high...68 and a sweater works good for us.