2) 1-1/2 hours of idling, I know you're not using a lot of fuel but when idling you're getting 0 mpg.
this sounds like the most obvious to me. I let my diesel warm up for 15 - 20 minutes a day, over three weeks (average tank life) that adds up. it costs me between 4 - 6 mpg average on the tank. the cold however does not effect my instant mileage while driving.