Most Victorian homes aren’t listed - it’s very common to live in a late Victorian house (mine was built in 1880), and there’s nothing architecturally special that needs listing in it. I do live in a ‘Conservation area’ which carries some restrictions on what I can do to the outside - I’d have trouble getting a dormer window put in the roof, for example, as it would change the roofline of the area, but otherwise I’m pretty free to do what I want.
Also, listed houses come in different grades - Grade 1 listing is the most restrictive, and I wouldn’t dream of buying such as a house as getting any kind of changes even to the interior are a headache. Grade II is much more common and generally affects only the exterior of the house. It prevents owners replacing all the windows with something aesthetically unsuitable such as uPVC, for example. Basically, if you want to change the appearance of your house, you’d be well advised to NOT buy a listed property. I think these property renovation programmes are full of people who buy these houses thinking they can change them and moan about restrictions afterwards.
Back to the heat question - my house does get a bit cold when the heating is off, but adding insulation would be very costly and disruptive, so I have bi-fold doors between the living room, dining room and kitchen areas so I can zone things off (these would originally have been solid walls, but hey, who doesn’t want to be open plan these days?). I also have a climate-destroying wood burner that keeps my living room cozy.
My monthly bills are also double what they were a year ago - from £80 per month to about £170 (dual fuel). That’s for a 3 bedroom house. From speaking to my friend in Amsterdam, it sounds like they’ve had the same kind of rise.