I bought a washable heating pad, with three heat settings. It's made by Cara, and cost me $25.99 at the local five and dime.
Tried it out the other night. The ambient temperature was about 50 F, so I put it on the highest setting. The starting water temp was 65, and after an hour, it had risen to 72. So I turned it down to the medium heat setting, which worked great, maintaining about 68 degrees F.
The pad is not very large, so it can only heat one tray (the developer, of course).
I'm not worried much about the stop bath, but... anyone know if fixer becomes ineffective below a certain temperature?