Another thing to consider if the tank is outside, maybe lesser for inside, is condensation which collects and goes to the bottom of the tank and could eventually rust out the tank bottom. A cleanup won't be cheap.
When I was getting oil fillups the oil guy was putting an additive at each fill to reduce cold weather fuel gelling and aid in dispersing water. It also keep the oil stirred up to move sediment around. I don't think I've had a fill for about two years, so this sort of situation is something I've been thinking about.
On the subject of fuel gelling, my diesel tractor had some issues during the cold snap we had and it turned out the fuel had gelled in the fuel filter. I had never had to put an additive in
the diesel fuel, but now I will when it gets cold. Below is the filter with the gel buildup. If the fuel oil tank is outside, it's conceivable the fuel oil cold gel if the additive loses its effectiveness. Furnace likely wouldn't run if this occurs.
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