Less than 1 percent of a home's air leakage is due to outlets. Leaving lights, computers, and other appliances on uses less energy than turning them off and makes them last longer. The small surge of power created when some devices are turned on is vastly smaller than the energy used to run the device when it's not needed. That includes personal computers. In the past turning appliances and lighting on and off drastically reduced their useful lifetimes, but better technology and design has largely overcome that problem.
Energy efficiency increases the initial cost of a home.
There is little if any correlation between refrigerator efficiency and a home's purchase price. Smaller, high efficiency units generate as much heating or cooling benefits as large, inefficient ones. Insulating the ceiling will just cause more heat to leak out of the windows. Switching to electric room heaters will reduce your energy bill. If you have central electric heating, using room heaters only where you need it will most likely save you money.