So after using the individual outlet monitors (that also provide remote control for the outlets) plus an energy meter for measuring individual device under load, I decided to take the plunge and get a whole-house monitoring system.
The theory is that if you only have your utility bill to go off, you are only getting 12 data points per year. Where is all the money going? You need to measure more to know and can then maybe make simple changes or upgrade appliances to save energy.
I liked the idea of the "sense" one but most of the comments I saw from people who used them were that the reality doesn't quite match the promise and it fails to identify devices accurately enough and consistently. The recent exchange rate has also pushed the price up to $450 CAD which is a bit steep for something only partly works.
I ended up getting the Emporia Vue (https://emporiaenergy.com/) which was significantly cheaper ($160 CAD but it is now listed for $245) and as well as monitoring the total usage you can measure 8 specific circuits (so cooker, washer, dryer, fridge etc...). The combination of this, plus the separate outlets provides a lot more data but I think I'd probably just go with the whole-house monitoring to start with if I was doing it again - that part was the simplest to install and only costs $60 USD (they didn't have it on Canadian amazon though, but if you're in the US you can probably buy it from them direct)
Installation of anything electrical can seem daunting but isn't really difficult if you take your time and the instructions were pretty clear and simple to follow.
The end result is great - I can now see the power usage of anything just by checking the app as it's used and you also see the hourly / daily / weekly / monthly usage (also broken down for the 8 individually monitored circuits).
It's fascinating being able to see what boiling a kettle uses for instance and the difference it makes being minimally filled vs completely full. I'm also going to see whether keeping a Keurig on for extended periods costs a lot more than just turning it on when you want a drink and then turning it off again.
I think I've probably saved a fair bit of money already just by seeing that some things draw quite a lot of power just by being plugged in. I expect it to more than pay for itself within 4 months, possibly less. Apple laptop chargers and XBox consoles look like they are pretty greedy. Some things such as fridges / laundry may turn out to be worth upgrading (or not as expensive to upgrade, once you take potential energy savings into account).
Could I have saved the money by unplugging everything? Maybe, but then you are making life really inconvenient. Being able to see exactly what each thing uses lets you target what is specifically costing money which is why having the detailed data is useful.