However, if we were in an apartment building with district heating instead of what we have, it would likely be better to stay on the spot price, as costs are much lower, as are the risks.

I lived near the ocean region and it used to get damn cold at night and warm during the day time. I just could not keep it up. And adjusting to that when you are not born in the ocean region is hard. I realized that I am not made for the ocean and the snow. I may adapt to the australian settings but extreme ocean island setup is not my thing anymore. I wonder how EU people do it with 2 seasons of snow and kind of cold.