OK, so clearly my wife is correct when she says I like the tub too hot. I keep it at 102 F in the summer and now it is at 103 F for the winter, and I would go higher if I could, but that is too hot for her.
When it gets below about 38F I think my tub had a hard time keeping up with temp loss. Totally a guess, but it is based on how often the #1 jets come on when we don't have them manually turned on (the heater uses the #1 jets). Of course it may do fine maintaining a 100F temp at 38F air temp, but I am going to be complaining that I am cold.
I think my heater is on the lower wattage side, since the tub has to run the heater and jets at the same time in order to heat, and it is only a 50A / 240V tub.
I know that when I fill my tub with 50 F water, it takes a LONG time to get it up to temp (as in change the water in the morning, and you are not using it that day at all)