The heated & enclosed underbellies that are common nowadays can be a problem. Hot air blows from the furnace into the underbelly cavity and straight outdoors from all the cracks and openings. Then cold outside air is drawn into the TT from cracks, vents and openings to replace air that was blown into the underbelly. Very inefficient. I recently purchased 2 blank-off plates to put on the furnace to stop air being blown into the underbelly but won't be able to try it out until the start of the next season. If you aren't using the tanks and water lines in sub-freezing temps, you won't need the underbelly heated.