A heating pad for human use is likely to get too warm, and might not be sufficiently water proof to safely use under pots. There are greenhouse grade heating pads that will not over heat and are reliably water proof.
I don't know for certain regarding mugo, but JWP, JBP, and a few other pines I have grown from seed don't need high heat to start germination. Mine were always outdoors, temps into 60 to 80 F daytime and 50 to 70 F at night. Jack pine germinated early, while spring was still cool. Others germinated later, as weather warmed up. You probably don't need a heat pad for mugo. It may be useful for certain deciduous species, but not needed for most pines.
Mugo absolutely need full sun for healthy, tight growth. I would keep the seed in the refrigerator until after danger of frost has passed, then put them outside to germinate in full sun. Growth indoors under lights, or on a windowsill will be weak, not as useful for bonsai.