It's a bit nippy in the morning but we haven't had to run the heat yet either, the house is pretty well insulated. It's only nippy when I go outside in the morning but I can't stay inside the house --- I *have* to have my outdoor "fixes".
I know exactly where Ponce Inlet is. At one time we lived in Ormond and before that in Flagler Beach. You stay a good bit warmer than we do but I'm loving the cold. Spent 90% of our lives down Jupiter way & have had ENOUGH of sizzling.
Disclaimer: I *will* be complaining this winter at some point.