Being rated for full time means Heartland will warranty the rig even if you live in it full time..Doesn't say where you will live in it full time. That warranty only lasts one year so in reality..BIG DEAL. Arctic pkg, Cold weather pkg, Polar pkg are all meaningless. Usually they include tank heaters and maybe a small amount of extra insulation and a decal. There is no industry standard for 4 seasons RVs. It's a good advertising gimmick. There are only a small handful that are made to be used below zero and they are priced accordingly. You can keep anything warm if you burn enough propane. I have used my Big Country when it was 15 degrees or so. The furnace rarely shuts off. It would be very expensive to heat if it was always that cold out. In my opinion you would be happier in an apartment.
B.O.