Whatever works for you; I've had electric mattress pads and I didn't
like them. The feeling of puffy down on top of me is just much more,
if you'll forgive the pun, comforting.

Why does it have to be one or the other?

Why cant you use the electric mattress pad BEFORE going
to bed to heat the bed up.

Then turn it off once in bed and sleep under a nice
puffy down comforter?