A couple months ago we bought a house that is on cinderblock piers with a 2 foot crawlspace. The crawlspace is exposed, no sides to it. I was exploring under it yesterday trying to find out why the bathroom and utility room floors were so cold. Turns out, those areas are missing some insulation. I found electric heat tape wrapped around the waste/drain pipes and I assume the removed the insulation to put the tape on. It looks to be several years old and was not plugged in. I would rather have the floors insulated and let the warmth of the house keep the pipes from freezing. We're in Maryland and it does not deep freeze very often - tho it was 10 degrees this morning. I'm thinking wrap the pipes in a jacket and stuff fiberglass insulation up in there. My wife disagrees - she argues that the heat from the wood stove rises, and the floor will stay cold regardless and therefore the pipes will not be getting warmth from the house. The other thing I want to do is close in the sides of the crawlspace with insulation. That should keep out the wind and some of the cold. Any thoughts or advice?