Thought we could limp along with oil furnace but fall cleaning showed unit aging with not much life left and to top it off repairman found fill pipe to tank had rusted through and water entered. Also our AC is
24 years old.So house is array today with tear out of old units and oil tank and installation of new unit.
Writing here that I am pleased with price as new oil furnace and AC would likely cost 1/3 more than heat pump. Wife is happy that house will be cleaner without oil heat.
With 10 year warranty and minor service contract unit will pay for itself in a few years. Oil is now $4.50 a gallon and going up.