I am taking it day by day, and so far I haven't needed any heating. Just as well because although my year-old combi boiler is working, the handset does not, so that will be replaced next week with something I can fathom.
I have a plug-in heater in the kitchen, which has taken a permanent holiday.
I remember my childhood in Scotland as others described, with the frost on the inside of the windows, and the three of us almost in the coal fire downstairs. There was no heating upstairs but I survived.
I have a 15 tog duvet and a hwb and have used the latter for over a week now.