Toggle's NYC Energy Rules
The situation here is similar to Toggle's rules...
If at all possible, we heat our homes, cook our food, and heat our water with natural gas. In the SF Bay Area by the water, most homes do not have central A/C. It really is not needed. There are maybe three weeks a year where the temps are over 90, and it's usually a "dry heat". There is geenerally a cool-down overnight and running a fan to blow cool night air into the home, and then shuttering the home during the day, generally takes care of these high temps. However this winter I am probably going to purchase a window A/C unit for those few times when it's simply too hot inside even with night air.
Our electric rates are lower than Hawaii but higher than most of the nation. We also get a "baseline" lowest rate for minimal usage; here it's about 330 kWH/month. That's about $.12/kWH. More than that, it jumps to about $.16. Above about 500 kWH, it jumps to around $.20. Above that tier, which I've never reached, it's even higher (I think). I think my average cost is around $.15 kWH.
Nearly all my lighting is flourscent; it's been that way since before our "energy crisis" of 2000. I also shut off all vampire loads wherever possible; I figure that has saved the equivalent of a full-size refrigerator's energy consumption. I also replaced older pre-90's fridges to energy star in 2001; that has helped to cut my electric consumption in half (from about 1,000 kWH/month to about 500 kWH/month. I could go lower if I pared down to one fridge and got rid of the chest freezer, but with two kitchens I don't want to

. Also, a fish pond pump uses about the same as a energy star fridge. It's either that or no koi. I choose the koi.