I have gas central heating and the amount I pay every month to our homeowners assn. covers any amount of gas or water I use.
I'm in southeastern Texas about 60 miles north from downtown Houston. In winter, we usually don't get more than two times when the temp. drops below the 20s at night and seldom gets into the lower 20s during the day. In a shtf situation, I have an approved for indoors propane stove that runs off the small bottles of propane. I would use that in my living/kitchen area to cut the cold and then turn it off. I have two sleeping bags that keep you warm down to 0. I would sit in one in my chair and put it on my bed at night to sleep in. That will get me through the few times I would need to do that.
I have numerous ways, I think it's six ways, to cook that doesn't require wood. I have enough canned heat and several Sterno stoves to cook food for a year inside and that adds a little heat to the room. I have enough jar candles to heat food and provide light and a little heat, for a year. Outside are several ways and the absolute it will last forever, is my professional built Rocket stove that cooks at a high heat using twigs, not logs.
I do have an outside fireplace and that accepts logs which I have, plus charcoal, or anything that burns. It has a cooking grill to prepare food outside. Then there is the propane grill outside with two large containers of propane, then there is the charcoal grill. Oh, yes, I have a ceramic Japanese round smallish grill that will cook with using 7 charcoal briquettes - that could make it 7 ways to cook.
Since I am retired, I try to manage my expenses closer. The unseasonable cold will increase my electric bill, so I only burn wood to supplement the central heating when the temperature drops below 30 degrees. My electric bill will actually go down when I burn wood on those days. The wood is acquired for free. I’m not burning wood full-time although I could.
Sounds like you are well prepared. I try to have enough reserves to survive for 3 months without electricity or water. And like you I have many options at my disposal.
Good luck and stayed prepared.
Nobody would accuse you of not prepping enough or not thinking through every potential event ;)