3-Season cottage
Following the statement of FlyingScot, I would add that if a house wasn't originally built to be a 4-season house that the cost of upgrading to a 4-season house is huge, Oh, yes, you will hear stories about people who wrapped their plumbing pipes in the Sunday New York Times, buried their water pipe 6" in sand, and kept the shades drawn upstairs and had a wonderful winter. Don't believe them, it just doesn't work that way. If you are unsure about the insulation in the walls you can always cut a hole and check. The interesting thing about frozen pipes is that if we have cold weather and a pipe freezes, it may be some time before it thaws and begins to leak, and, if the pipe is 'hidden', the damage will be very costly.
I guess I am a bit of a wet blanket on this topic, but your question needs experts to provide you answers - experts in each trade, plumbing upgrades, insulation installation, heating methods, electrical harness suitability, etc, etc, etc.
Good luck.
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