Timnus - FWIW - I have some friends who went with the mini-split solution ( Fujitsu I believe) a couple years ago. On the colder days they have a small oil stove that keeps them warm, but on the not so frigid days, and during the shoulder seasons (and occasional crappy days in between when they need some easy heat) it works great. And they get air conditioning in the summer which they LOVE. They report the same thing about the unit sipping electricity too. I would have jumped all over one of these myself but I needed a no-freeze solution for the many days we're away, and we get just a bit too cold mid-winter for the heat pumps to work or at least to be very efficient. Once we're full time residents (there to tend the wood stove 24/7), I'm going to likely be looking at these units again.