In my opinion, the cost of running a tank is insignificant in my situation. Any energy used by the tank heater is just energy that isn't used by the electric heater. Even the lights (although, 40w isn't much) produce heat in one form or another, wether it's directly at the ballast, tube or on objects the light hits. Even the filter converts all of it's energy into heat, in the form of friction between moving parts and friction between the water and the stationary objects in the tank.
In the winter, the actual energy consumption of my tank is basically just the light that goes through the window. In the summer, the heater is barely ever used, because the outside temperature is about what I keep my tank at. The filter and the lights are the only things that consume energy in the summer, and it's basically free to use in the winter.