Warren said:
We have a well, and I got to thinking that in summer particularly, the ground water is still like 60 degrees or so, and if it were passed through a long set of pipes above ground, it would not have to be heated up by the furnace from 60, but rather be heated up from something more like 75. (the pool temp is at 84 right now) I'm not talking solar here... just use of ambient air temp. I'd bet you could even use it to do dehumidification if done right.
Warren...What you are thinking of doing could work and would save SOME energy that is wasted trying to heat extremely cold well water. Everyone has brought up very good points above.
Unfortunately, there are two factors that need to be considered. First, as you have pointed out "your Mrs." is reluctant to turn you loose worrying your idea is a little too much "red-neck tech"...and perhaps a little rightly so. In theory, and from trying to picture the installation... it sounds good...once put into practice however... pipes, pumps, storage tanks, and all the other associated gizzmo's and gadgets aren't all that pretty unless from the wallet perspective.
Looking at it from the wallet perspective (on the surface) looks attractive... until you take a trip to HD or loews and get the "sticker shock" of what plumbing supplies are going for these days. Consideration must be given to the initial up front costs and then calculate what your ROI is going to be. Saving $8,$15 or even $30 a month on your DHW heating bill sounds attractive at first...but when you spend $1000.00, $1500.00 or more to do it... Unless it's a "labor of love" or you are "Gung-Ho for saving the enviroment and lessening your carbon foot print" it's not a very worthwhile endeavor.
For the "average homeowner" things can be a little tricky when it comes to plumbing... and care should be taken.. whether people realize it or not the plumbing we use everyday is the lifeline for good health. If you do end up doing something be carefull and take that into consideration...your well water may be of good quality... but if you are running it all over the place and heating it up the quality may degrade.
Do you/would you like to drink water from a garden hose laying in the sun all day???
If you do experiment... I would recomend you lean towards "heat exchangers vs. direct methods" in other words...keep the 'system' water separate from the drinking water as a safety measure.
What kind of heating system do you have in your home???
After some consideration... if you could "build a system" and it could be used year round, it might be worth looking into...if however you are only going to use it "in the warm months" it might not be worth doing.