Living in west central Minnesota. I have a 35 year old HVAC system and need to unpgrade. I am planning on putting in a 95% propane furnace with an electric plenum heater to take advantage of off peak rates for my forced air system. The only question I have is whether an air source heat pump is worth the extra money or is the central air conditioner a better option. Three out of four contractors have suggested the heat pump, but the local guy I know personally doesn't think the heat pump is worth the extra cost. The local guy is old school, but is a good man. Are there any good thoughts out there worth considering?