To counter your points:
My system in NW PA for a 2200sq ft open floor plan house requires a 5T system per Manual J heat loss calcs. Turnkey cost = $24K. I'll get a 30% tax credit from it = $16.8K. Standard propane/natural gas system = approx $10-12K. Difference = $6.8K. Cost analysis based on current fuel prices figures an annual cost savings of $2200 but for arguements sake lets say its closer to $1500 per year. Payback on the difference is 4.5yrs. This is backed up by numerous quotes comparing apples to apples systems. Also, references I've spoken to all have experienced the calculated savings or more.
Inground components are backed by a 50yr warranty. Out of ground components (heat exchanger & blower) have a 10yr warranty. Fluid for heat transfer is a water/glycol-type solution in a closed loop. Better heat transfer than just water. Loops are below frost line - approx 6ft.
I will grant you that at the end of a long cold winter the system may not work as well but there and I'll need to use the resistance heating but that is all in the savings calcs.
I'm all for a nice wood or coal fire. Love to watch it on the cold winter day but for my day to day heating/cooling I feel geo is a pretty good option.



