I have a handful of tanks and I too insulate this time of year. Never though to use neo however good notion. I take mine off in the summer so I just use foam insulation board myself. 30$ a 4x8 sheet.
I use side turned tanks (no humidity issues and less heating issues) but with and with out the insulation I have about 6ºF difference in ambient air temps. So absolutely it makes a difference why I need to take it off in the summer when the room is mid to high 70s don't need/want the extra.
I like ultratherms as well. I believe any of the low wattage UTH are FAR FAR safer than the high. T-stats do fail, probes can be moved. It is peace of mind to know that the UTH does not get hot enough (typically no more than 100ºF) to cause permanent harm. I don't suggest using high wattage units unless there is a need.
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