Not true. It is standard pactice to run water pipes to bathrooms through the roofspace. Ok they have to have little foam sleeves over them, BUT on an icy january day I know from my experience the first flush of water is warm, then it goes ICY cold, then it gets hot, so those pipes are definitely *not within the insulatione enevleope* - or at least not within a very good one.
Which is why I spent a fair amount of money this week on getting may favorite chippes to build boxes full of fiberglass around them.
Mostly in winter, unless teh HW pipes are fully inside the house living space. Chances are they are not.
It always makes me laugh when peopel go n about energy saving bulbs and full kettles though, which ARE inside the house, all of which contribute to burning less oil. This (home) office, with its two computers, two monitors, two people, router, telephone PABX, radio etc etc. hardly EVER needs any extra heat...OK, I have to pay more ofor the lectricity...
Likewise the upper landing equipped with three 50W LV lamps, is always warm after dark..