It cold here in the hills of western massachusetts to. Gotta say I am really, really happy with my tarm and most of the decisions I made about the install (went live this past October). We've had several below zero days already, and even over night I finally have a routine down that lets me keep the house at 68-70 thru the night - and then bump it up a bit during the day time to 72-73. I hope that feeling of pride knowing I am no longer dependent on oil never wears off (OK, I used 50 gallons because we went away for a week). For the last 5 years before the install I used 2000 gallons of oil each year year - just to keep the house at 65. When I first started running I was sure I would still end up using 300-500 gallons of oil just to smooth out the heating curve, but you really do get better with the operational details as the weeks go by. Now I look forward to the extreme cold days.