No worries Troy. These are very interesting replies.
Like I said, these days I choose/create varieties that germinate at
my regular room temp, which is also on the cool side, so warm soil isn't much of an issue
anymore. It use to be, so I know how frustrating it can get.
It is interesting to see why people choose to do what they do. When I see so many people doing something completely opposite to me, I always worry I'm missing out on something awesome. I'm grateful you took the time to reply.
One thing that got my attention was a fridge that is insulated to the point that it does not produce heat. I have to admit, this worries me. A fridge produces cold inside, much like a heat pump heats the house. The heat from inside the fridge has to go somewhere...which it can't if it's too insulated. On top of this, the motor in the fridge produces heat, which when wrongly insulated, can make the fridge work harder and burn out considerably sooner. Now, if the fridge was cold on the outside, that would be a a definitely cry for more insulation.
All of this you already know since you've taken steps to make your home more efficient. I'm writing it for those new to energy efficiency. Sometimes, well, more often than I like, people get caught up on the idea that if a little bit of good thing (insulation) is good, then lots of it everywhere is better.
An example of what well placed insulation can do: the people who owned this home before us, spent well over $1200 a month on electricity, sometimes over two grand. The first thing we did to make the house more efficient was remove the insulation from around the back of the fridge, this cut the electricity bill down by more than 10%. With a few other changes, both minor and major, we now pay between $100 and $120 (a whole decimal place less) a month and everything from including the well, cooking, farming and heating is electric. Also the rates have gone up in the last decade, so for a more accurate comparison would be my neighbour (who heats with oil, but has a house with similar age and square footage) who pays $1700 to $2800 a month right now.
Things like the water heater, yes, I know what you mean about having it insulated. It was rather annoying not having a warm spot on top of there anymore. However, the motor for the heat pump produces heat, and it has a nice flat surface to start seeds on.
It's very much picking and choosing battles when 'wasting heat'. Heat 'wasted' by my fridge is put to all sorts of use from baking to starting seeds. The heat, a necessary byproduct of refrigeration, isn't wasted, it's used. I suppose if I didn't have it, I would be more inclined to create a warm spot - but we do have a fridge, so why make a second warm spot?
Although I'm intrigued by the reasoning for creating a seed heating place, I'm not yet convinced that's it the thing for me.
To get back on track, the OP suggested that they don't have/can't afford a heat mat. I'm suggesting that for those of us who are financially limited, we have other tricks to use. Our homes have all sorts of microclimates inside them, be it drafts or hot spots. Even lovely cool homes have places where the heat gathers. Unless the house is empty of stuff, different objects gather and store heat all over the place. It's well worth getting out that old thermometer and having a look around the house. What about the top of the bookshelf, how different in temp is it to the table height? How about at night, do the
books act like a heat sink and keep the temp more stable there? There are all sorts of
permaculture questions that we ask when assessing the land, these can be applied to inside the home as well.