My oil furnace was installed by prior owner in 2018 and ac in 2017. I was seriously thinking about getting a heat pump or heat pump and gas furnace, but the numbers after estimates don't work i.e. $ savings vs. cost. So I'm just going to wait for them to die before replacing them, providing I don't die first! Lol
The thing I don't like is that the oil furnace requires a chimney vent, so when it gets windy, even though there's a draft damper on the system, there's still a draft effect as from any chimney. My house is sealed well, with that the only weak spot, so I hoped to fix it but it just makes no sense financially for the little bit of air infiltration from the chimney. So the final plan is to replace the ac unit with a heat pump should the ac fail, which would save on oil with temps above 35 degrees.