Thanks for the info and opinions.
I've been thinking: I don't see myself having lots of animals. At most, a breeding trio of panther geckos, a pair of cresteds, and perhaps a pair of leaf-tails. Cresteds do not like temps above 85 F. Neither do leaf-tails. So, the only animals that would need the extra heat would be the panthers, and I can provide that with a heat ceramic heater. If I only have to buy one $25 ceramic heater once every few years, that's fine. Then, I only have to spend $3.00 for new 25-watt "party lights" at Walie-Mart every month or so. I can back them up with heating pads, which do not need replacing. If I need more light bulbs for aby enclosures, no big deal. And I can buy an incubatior for eggs.
I am a real snowman when it comes to inside temps. I like it 65-70 in my room, especially at night. I don't want a hot room just for herps, and I don't want to buy a house or rent an apartment with an extra room (more expensive) just for a few lizard species when I can just provide individual heating. And besides, temp gradients may be better.
As a side note, those colored "night lights" bother me. My leaf-tail spends the night in the hall or the bathroom if I have to leave his light on for extra heat at night.