I live in an apartment in an older building (1888) with single pane windows that need to properly insulated.  Seeing as my landlord doesn't care what  I put up so long as I take it down, I'm going to buy some insulation tape to feel the gaps.  The heating itself is electric, and starting this following year, there's going to be an option to buy "green power" from a local wind farm.

As far as heating use, despite the windows, it's got trememdous thermal mass (About 20 cms of brick and plaster), and I've only had to turn on the heat once for 5 minutes to make sure it worked.  (It's a really old building.  

I don't mind the heat or the cold.  I'll probably leave it at 58-59F (14C) in the winter, and I only use my airconditioning when it gets above 90F (32C) in the apartment.  I worked outside for several years in at a garden shop, and I'm used to severe weather.

Which Indiana will throw at you in large amounts.  The coldest I've personally seen is -29F(-34C), while at the other end I seen it get up to 108 F (42 C) when I was working.  So long as it in that sweet spot between 50F (10 C)and 90 F (32C) in my room I can handle it.

I think that in part, the American reputation for overheating is city folk who aren't accustomed to the idea that there's a natural ebb and flow to nature.  (A time when things turn green, it gets warm. A time when things die, and it gets cold.  To everything turn, turn, turn.  There is a season. Etc.)

Then again I may be an extreme polar bear example.

And I'll give my consent to any government that does not deny a man a living wage-Billy Bragg