Cop out indeed.
Like you, I have all the insulation etc you list.............unlike you, I suspect, as a pensioner I will get £200 lump sum towards heating ...........but my heating bill last winter was well over a thousand quid and the energy prices have shot up by an average of about 34%.
I do have one wee advantage that a lot of folks might not have in that, in one sitting room I have retained an open fire, and there is a ready supply of free logs around here so can keep that going if needs be. In fact, am thinking of turning that room into my computer room for the winter period. Cosy.
However, the rest of the place has to be heated as well............will just have to turn it all down and instead of having the place warm, have it not cold.