No, I have never even visited there but, I would like to. The coldest I have ever had was highs just below zero for a few days.
Never said Mainers are dumb for not having insulation or not. I would just make sure my attic had an extra layer of fyberglass, window caulked and doors sealed.
What extra things do you have? I am always up for a new idea.
I’m not familiar with heating oil (I’ve lived in the South all my life). Why does it cost more than gasoline?
see my other post - # 41 and maybe # 56