Welcome to the Forum Don:
The geothermal systme is a very good choice. Janie and I put one in our house over 10 years ago and haven't been sorry yet. It has more than paid for itself and, considering the outrageous natural gas prices of late, its more like 1-1/2 pay-back. Also, when the system is running frequently, we get free hot water from the compressor cooler. It will cost more but it is well worth it.