EQUALS RATS, RACOONS, BEARS,
I should say *results may vary due to your unique area and local wildlife.
I was thinking since OP said they were concerned with the cost of running a heater over the winter that the cost of rigid insulation boards might be a restricting factor as well.
One additional thought on the cost of a heater - since it is a 150 gallon stock tank (not a 2000 gallon pond) and you aren’t trying to keep the water temp at 72°+, you just need to keep the temp over 40°, you could buy a 100w aquarium heater for a 20-30 gallon aquarium, obviously way too small right? But if it’s set at a temp of 72°, it will still keep a warm pocket in your stock tank that is 5-10° warmer than it would have been without the heater.
Tetra makes small, fully submersible aquarium heaters in 50w, 100w, etc increments, and the 100w is usually $15-20 at petsmart. If your electrical costs are $0.15 per kWh, that would cost you about $10 or $11 per month in electrical costs to run the 100w heater. Thats not nothing, but it’s not terribly bad when you think about the wattage of your water pump or the wattage of some of the pond heaters rated for larger bodies of water.