I have two 2g setups w/ a Betta in each and I haven't needed a heater yet. The lightbulb (especially if you use an incandescent bulb) heats it up just fine. Just stick a thermometer in your tank and watch for temp changes... you might not need a heater at all, depending on how long you leave the light on.
Accidents can happen anywhere, anytime. I wouldn't personally use a heater in a tank less than 5 gallons for fear of boiling my fish... but others use them without a problem.