I used to use a engine block heater on the truck during the winter. 1500 watts for three hours costs me 45 cents. If I do this five days a week for four months that is $36. I do get better MPG but I won't bother to run the numbers. The savings of using synthetic and not using the engine block heater already cover the cost of the oil.
We only get down into the teen and 20s. Sometimes single digits. The truck will start with the cold without synthetic but it is not a happy camper. So I would heat on my diesel engine trucks. Those heaters are not cheap to run.
I don't have time to run to the dealer ship to have them change my oil. I barely have time to change it myself. I run synthetic to cover my fanny in case I can't change the oil on schedule. I don't have much free time and I do not have a barn or garage so I have to work around the weather as well as my "free" time to change the oil. One reason I run synthetic is to give me some added miles on the oil in case I just can't change the oil.
The last oil UOA was 12.5K on the oil. The TBN in my oil starts at 12. After 12.5K the TBN was 8.5. The wear numbers were lower than average for my truck and were at or below averages per the lab's data base of UOAs for my trucks engine. The lab said to go to 15K if I wanted. That would be three oil changes by the book. Maybe you can run that mileage on dino oil. I don't know since I have not tried. Nor will I.

But 15K is three oil changes which more than makes up for the price of synthetic.
To change per the manual given how I run my truck and tractor would be throwing away perfectly good oil. And is a waste of time and money. Running synthetic is saving
me time and money. If the truck is run in stop and go traffic is certainly a different story.
Later,
Dan