What about an electric blanket at night? I've also heard the electric mattress pads are quite nice.
Regarding the no neighbor downstairs bit, my brother lived in an interior apartment in a building so they only had two small exterior walls. His (and his roommate's) plan was to keep their heat off and rely on the neighbors' hot walls as much as possible. They made it to mid January, when his roommate was sitting at the kitchen table with his winter coat and hood on, eating soup from a spoon while wearing gloves. Apparently it was a very climactic moment; he threw the spoon down, said, "I can't take it anymore - I'm turning the heat on!" and stormed off to the thermostat.
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