We've been in cold temps in the teens with our Bay Star and stay quite warm and toasty. I get enough heat from the gas furnace in the water bays to keep them from freezing, but I have remote temperature sensors in the bays and have two small personal electric heaters that can be turned on if necessary. The Bay Star is well insulated. When the temperature is closer to freezing or above, I use an electric heater at times to help save propane as I'm usually at a campground with electric service.
We don't winter camp, so our experience with cold weather is usually when we head south in the winter and have to travel from Ohio to wherever it's much warmer!