I'm over by Southern Trace in a house built in 1984, and the only thing we do is cover the outside faucets.
My metabolism isn't everyone's, but just to represent the minority viewpoint ... I love the (relatively) cold temps! I've been here 8 years and have never used the furnace. It's currently 55 degrees inside and I'm quite comfortable in shorts and a fleece top. Fresh and brisk!
(The summers, however, are Not My Jam.)