Does that really make a difference on the bill, are the houses so badly insulated? I always thought that style of building with wooden walls and insulation foam should make heating extremely cheap.

Hm. My bathroom is always 23°C or warmer, no matter the weather. When is colder outside, my heat pump delivers more warm water to the heating circuits. Does heating in the US work differently?

When using lossy, use Opus.

https://opus-codec.org/comparison/

https://wiki.xiph.org/Opus_Recommended_Settings