I don't here (new windows that are EF), but I have in previous homes, and yes, I noticed a huge difference. Also I hang quilts above the north windows and really cold or windy days and that saves as well. Also try the foam strips around the door frames, and the insulated foam pads for the outlet and light switches.
A cheap way to insulate indoor copper pipes is to use swim noodles--just slit them down the side--its cheaper than buying the black ones for pipes, and it basically the same stuff.
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