I have thought of this too. Except my issue is my regular double pane insulated windows I installed 20 years ago.. I am always getting build up of moisture on them that freezes, then I get the mold.
It is a constant battle here in the upper Midwest. This year I am making mini storms using screen frame stock. I am going to put the shrink plastic on them and see how it works. If I get new windows or build I will skip the wood or vinyl and get the fiberglass windows and triple pane. Dan