I once had a 50watt Jager heater in my 10gallon. it was in the basement, where it can get a little chilly, and the heater broke. nobody died, but dang that water was cold when i found it. after that i moved my fish and broke down the tank out of frustration.
i recently set the tank back up but this time i have a 125watt Jager in there. don't wanna risk overworking my heater again. so far it's been keep it deadlocked at 80F. we'll see what happens when it starts getting colder!