In Winter my darkroom gets below 55F. To keep my developing tray at the right temp, I use a Kaiser photographic hotplate. To keep my stop and fix up, I use on of the seedling mats. Under the mat, I have a piece of styrofoam wrapped with a mylar reflective blanket.
The hotplate has no trouble keeping the developer at the right temp. Moving the print around in the tray gives more than enough agitation for even development.
The seedling mat gives a fixed rise of about 10 to 15 degrees F. This is enough to keep them at a good temp.
If I could buy more of the Kaiser hotplates, I would.
My next project is to build a big slot-processor out of ABS, and heat it with a Won titaniam heater and an aquarium pump. Hopefully I'll have this up by next winter.
I do have an oil-filled heater in the darkroom. I only turn it on when I'm in there. The trays are right next to a 15" thick masonry wall, which in winter is at about 50 - 55F. Hence the need to heat the trays.
Make sure that the outlets you use are GFI, and use some common sense. (I stand on a rubber mat when developing prints....)