Welp, I decided not to get a new heating system because I took care of insulating the attic and ducts as well as sealing air leakage. I'm sticking with oil, like it or not, until my a/c goes up and I'll get a heat pump at that point if still living. In the meantime, the pending warmth will result in a decent savings on $ after all the insulation and sealing. That's what I'm telling myself at least.