Yes, I'm in FL, but it's all relative--we went from mid 80s to a low of 40 this week. When I jettisoned the ex, I also jettisoned the lousy bed he forced on me and went back to a waterbed (woohoo to CL--only $25!). I leave the heater off most of the time and just remembered I had it, so had it warmed up just in time. OMFG--it's like slipping back into the womb. Of course, the down mattress pad, the ultrasuede comforter, dog, and two cats make for overkill, but my blood's so thin I can't complain.
BTW, I have a friend in NYC who swears by something like
this dealie, which is a water-filled mattress pad that either heats OR cools, allowing you to set your thermostat lower (or higher) and still survive the weather.