Worried for nothing...looks like i found an easy solution. Have a plisner in a secondary in the freezer set to 48 deg. Sunday I brewed a pale ale, cooled to 65 and pitched the yeast. I took that carboy and put in the freezer as well, but i took some extra R13 wall insulation i had laying around and wrapped that carboy.
Temp held at 65 until fermentation kicked in (about 24 hours later), then temp jumped to 72 deg...so i took some of the insulation off (exposing about 1/3 of the carboy) Since then, the temp has been holding steady at 68 degrees and ale is fermenting like gang busters ! No heater, no light, no thermawrap.
I love finding a cheap and easy solution. (and my wife complains about all the crap i keep laying around the house...Hey..u never know when u may need it )
Hopefully this will help someone else in the same situation.