I replaced all my windows (21) with double pane, low-e and argon gas... at least that's what I paid for. I'm having doubts that I really have the low-e and argon gas between the panes. How can I tell for certain?

What makes me suspicious? I've had the windows for about 9 months now, and I saw very little difference (about $10 less per month) in my utility bills. The windows are crystal clear, and I expected the gas to give them a slight tent. When it's cold outside and I touch the glass, it feels cold, almost as much as my old windows did, and when the sun shines through the windows I can feel the warmth on my skin.