I'm not exactly sure what an under 'tank' heater is but, any heater too near the cage is a bad idea.
The rule of thumb is that if it is a comfortable temperature for you it is also for them, however when you start dipping into the 60's or have significant cold drafts the blanket covering the cage is a good idea. Also a space heater in the room but away from the cage could help. Too much dry air from a heater can cause issues with their fragile ears and hydration.