You are right, windows lose a lot of energy at night - especially in northern WI.
But, on the other hand, they also gain a lot of energy during the day. Facing south, even a clear double glazed unit will, on average, gain more than it loses over your heating season. In general the better insulating the window the greater the net benefit --- with one warning.
The best low E for passive solar is not the best insulating low E. This goes against all intuition. But in the north, the lowest heating bills come from south facing low E windows with the highest SHGC (not the lowest U).
Stephen Thwaites P.Eng. Thermotech Fiberglass Fenestration |