I agree with EdK about the temp. Unless your tanks are getting much lower than 65 I wouldn't worry about supplemental heating. If you feel you need more heat during the day put your lights closer to the top of your tank.
I will disagree though about the heating pad. I have never used a "reptile" heating pad. A heating pad is a heating pad. It all works using the same principals of electricity; current through a resistance produces heat. What I look for in a human heating pad is that it has an always on setting, heat adjustment, and prefferibly an analog controler. As far as the cord is concerned, there are many ways to releive pressure on the cord, and in all truthfulness, the weight on the cord really isn't important, but what is important is that the tank sits flat with the pad under it.
I will question though the effectiveness of heating the water under your tank though. Even if the water reaches the same temp as the heating pad (roughly 110F), you still have the dirt that will provide insolation from heating the air in the tank. You also might, possibly, risk cracking the bottom of your tank. With the water pulling the heat from the glass it will reduce hot spots that will cause cracking, but the difference in temprature from the top of the glass and the bottom may still be enough to crack the glass. I have cracked a tank with sand in it, but not water.
What I would do is go to Walmart or some other large retailer and buy a heating pad you like. Try it for a day or few, and if you don't like the way it heats your tank then take it back.