Thanks for the responses. I'm going to buy a 300W titanium heater to see how that works. If not, I'll add an additional heater. The garage is not insulated, I could do that. The tank is staying there, I couldn't imagine a huge, heavy tank in my upstairs. The responses were mostly positive, I thank those people. It's a great hobby, but its got to be financially manageable. Also, I do realize that it's not going to cost another $100 dollars for another heater, I was just stressing from the bills. I'm a new homeowner.
Hopefully, this helped others.
JJ