No offense to your snow blower purchase, that was the sarcastic one :-).  People who bought the standard monthly billing plans for heating needs are the ones who got hurt the most.   Re: if I had purchased that from my oil company, I would have paid about $1400 right now whereas I only paid about $800 buying on demand and I am sitting at 3/4 full on the tank so unlikely I purchase again this winter,   They do not give you the $$$ back. It is a gamble that you can win or lose.