unruly

I live in Columbus, Ohio and we are now entering our cold, doom and gloom season for the next few months. Typically I use my hot tub that is on an outside deck 2-3 times a week. Last year I kept the temp set around 95 degrees and when I wanted to use it I'd have to wait until I upped the temp to 104 and the tub warmed up. Not so convenient for spur of the moment tubbing! I am wonding which is more energy efficient...leaving it at 95 thru the winter and turning it up to 104 when I want to get in it OR just leaving it at 104 thru the winter? I gotta believe I am already spending the bulk of my energy usage keeping it at 95... the additional six degree jump cannot cost that much more? Any advice or insight is appreciated.