is it even worth it...

If you are going to live there a long time, put in what you want. If you will be selling in five or ten years, you will need a gas, oil, or electric system for primary heat. Ask a realtor for input.

2500 heating degree days. Warm average temperatures in the winter. Definitely ask your neighbors about heat pumps.

Craigslist + ~$500 - $1000, plus $300 for wall kit, + a 1 1/2 inch drill bit, + jig saw +pen + wall thimble = install.

We are in Maryland so we are kind of middle of the road as far as winter goes. This year like everyone we are having a very mild winter. We were heating with oil and it would cost us about $3000 this year based on the prices. We spent $1000 and bought a pellet stove. I guess in total between the hearth dh built and the piping it was another $500 tops. Then 4 tons of pellets which we have only burned 1.5 of. We will burn a lot less once we get a thermostat hooked up. Not only will we have saved $ already this year but we are so much warmer. We used to run our heat at 65-67 to keep costs down. Now we are at a comfortable 72 or higher depending on the day. For comfort alone it is worth it.