A 'gas log fireplace' will not heat your home properly ; they are more for asthetics. Usually, they keep the room they are in comfy but thats about it. No...a standing pilot doesnt cost alot to keep it going
-- maybe $4-8 per month in gas cost. If by chance you have access to free (or cheap) WOOD., then, heating your home with a fireplace insert/wood Stove that has a blower on it, IS the way to go. My friend does this every winter, and has saved a considerable amount of money on gas costs. He has yet to turn on his gas furnace --- his freestanding Box type Stove purchased at Menards for about $170, is centrally located in his living area on the first floor and he can keep his entire second floor at 65 f. even in cold outside temps. He has stairs that are also pretty much in the center of his house so the heat goes up there readily. His house was built in the 1930's and is not a very tight house either. Keep in mind that heating with wood in a Stove does create some inconvenience / mess, rounding up a big supply of wood, stove attention, etc...but there is a nice payoff if you can do it. You should visit a local Fireplace Store showroom so you can see how much heat each kind gives off.
If you want to explore 'gas heat' options...like the poster above said, there are 90 plus efficiency gas furnaces if you want to go that route . Depending on where you are in the country, payback on an installation (if you currently have a 65% standard efficiency gas furnace) is roughly
8-12 years. Not a bad payback really. Plus, it will make your house more saleable. Get a few bids on the installation, as, prices usually vary alot amongst Contractors.
If you live in a rural area, going with a CornBurning Stove can be very advantegous if you can get feed corn cheap. This sort of stove has an automatic auger on it and feeds in a preselected 2-4 kernels of corn every so often to keep the fire going. ANother friend of mine has one and its in the basement of his single story home ; keeps his entire house at 70 f when its -10 f outside. Pretty compact stove but has a high initial purchase price . You have to consider venting of it too. That can be tricky and expensive. Do a google under Corn Burning Stoves if your interested.
Definetly go with things like : a programmable thermostat, automatic timer for your water heater preset to ONLY the times you actually use hot water or...go with an instaneous water heater, Tyvek House Wrap is a must and really made a difference on my house as did vinyl siding with styrofoam on the backside, insulate the heck out of the attic, go with thermopane type 'e' glass windows, tight fitting exterior doors, seal up all crawlspace outside vents tight in the winter, raise the fridge temp as high as practical, only use lights in the section of the house that is occupied, etc...Contact the Dept. of Energy for tips on cutting fuel bills ; they have materials they send out via regular mail for free, or a nominal charge.
Good luck ! Norman
P.S. Oh yeah...if your married , take better advantage of body heat :)