Hi Stoney,
We're at Tiger Run right now in our Landmark and Erika and Tony Dorsey are also here in their Elkridge. I don't know what Heartland claims for the Road Warrior, but as I understand it, when they say tested to 0 degrees, that means the interior is comfortable down to 0 degrees. It doesn't mean your water will be running or that it'll be safe.
We use a heated water hose, a 100 watt heat lamp behind the basement wall, and a 60 watt drop lamp in the UDC. The Dorsey's are running off their fresh water system, filling as needed. They insulated their underbelly water lines and put heat tape on the fresh line. Both our rigs have tank heating pads. We're both running furnace and fireplace to warm the interior.
We were here last January in extreme cold and were comfortable but often used Pelonis Ceramic Disc heaters to get more heat. At 15 below zero our furnace didn't pump enough hot air into the underbelly to keep the water running. We had several mornings without water.
All that said, in a pinch you can get by with a couple of jugs of water in the RV and use the clubhouse facilities for showers, etc.
If you don't have tank heating pads, you probably don't want to have water in your fresh or gray tanks. If temps drop sharply, and they often do, you could have damage. Last January, most nights were subzero and most days single digits above zero. While the underbelly is heated, the furnace doesn't get a lot of heated air all the way back to the axle area. So without heating pads on the tanks, I would not assume they won't freeze. As to the black tank, I've been told you can add some antifreeze to keep the tank from freezing - how much I don't know.
We're expecting to be here a while. Stop by 333.