It's not just peace of mind. The predictability of the bill is also somewhat controlled by you then... you can switch off the lights and save energy on everything, thus also lessening the price at the end of the month.
We pay around 0.12 usd for a unit so I'd say that's fairly good
Yep. We can reduce the costs a little, but heating is by far the biggest percentage. Probably 90% of the bill or more.
You it doesn't get as cold here so no need for so much heat to be generated. Although Finland? You get snow and cold right?