The damage from a frozen water line in your house can be a lot more than $4000.

We had them when I was still a kid in the sixties and I did not like it at all. Jumping in a warm bed is nice but leaving it on during the night makes you wake up all sweaty in the middle of the night. Even on the lowest setting.

I’d like to add: down comforter.

Last winter, a king size at IKEA ran me ~$100*. The cover was additional but less than $50 (on sale).

* All cotton, shell. Something not all cotton would be less expensive.