Hi Fletch
We were so suprised how cold we felt of an evening because we don't have central heating. We found that the big temperature change during the day makes it feel so much colder at night. In January you can be sitting round the pool at lunchtime (long-sleeved t-shirt on) and 2 hours later you are inside with the fire on all snuggled up!
When we invested in a gas fire that made a big difference. At first we put the hot air from the air-con on for 10 mins to boost the room temperature then this means you only need the gas fire on low to be comfortable. It's still not as cold as the UK and only for a while!