no wrap, and i run on propane and electric. i am always getting asked "isn't it cold?" it all depends on the person and how energy conscious you are. i can keep my floating home just as warm as any house. i will say that i keep it at a lower temperature to conserve electric and propane, but that is my decision. a fellow a few boats down from me keeps his vessel at a toasty 72 degrees.
the biggest pain is battling your way to the shower house. but once you are there you are fine.(until you have to go back to the boat. memo to self... dry hair completely).
"Be good and you will be lonesome" - Mark Twain