Don't worry
I bought a home 4 years ago with a crawl space, cement foundation and stone floor covered by plastic. The first floor joists are insulated and covered with plastic. I've never had to worry about freezing temperatures as the foundation provides enough insulation. My first floor forced hot water pipes run in this space also. I do keep 4-5 100 watt bulbs on 24/7 but that is more to take a bite out of humidity in the summer, and that's a different topic. I haven't even insulated the copper pipes, but that's on my list. I wouldn't worry, but take a temp reading in the winter to check.
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