I considered geothermal - simply the way to go for cooling, but for heating... I spoke to a builder who put a geothermal in his current home and he does not like it. He told me that it takes a long time for him to warm up after being out in the cold all day.
An acquaintance just had a 4 ton system installed in his new construction - cost him 22K! I'm spending about the same with only a 13 seer heat pump and purchasing a AHS coal gun with all the trimmings. Eventually I plan on radiant floor heat... so the geothermal really is not an option.
I guess many folks would be happy with the system... with the air temp somewhere in the neighborhood of 80 degrees in the winter at the registers, if one works out in the elements... a nice coal stove is a must.