I worked in the HVAC world for 30 years but mainly in the commercial end the last 25 years, but here in WI and most northern zones the heat pump of early years was just not viable after it got below say 20 degrees because they were taking the residual heat from the air and not the ground where the temps stay pretty consistant. With that being said and after living in a number of different houses with prety much every type of heat source available. What I have learned is that for my $$$ I would put in some sort of in floor heating wether it be from a gas fired boiler, wood fired, or from a geo-thermal system. The reason is that once that mass of the floor is warmed it is much easier to keep it warm and when your feet are warm the rest of you just goes along with it. The first and best thing is to put as much into insulation and the sealing of the home because heat loss is your major enemy in the heating battle. The passive solar of having a large wall facing south to gather the suns warmth is a positive in the winter but a detriment in the summer as the sun does not know you want it cooler in the summer. So with all of that being said with in floor heat and then having the forced air heat/cooling from the geo-thermal unit you can keep a very well regulated temperature all year and the AC portion of the system is probably the best portion of it.
My buddy just built a new house in River Falls WI with a geo-thermal system, the thing that he had questions about were why it ran a lot and of course that has been mentioned already and that is due to the fact that the air coming out of the vents is not "HOT" but just warm enough to tell that it has a higher temp than the surrounding air. This is how it maintains the temp in the house. The one thing that he is seeing right now is that with the very cold temps he is getting condensation on the windows due to the new construction and there being moisture in the building materials and the concrete in the basement drying out as the winter goes on. I asked him if he had an "Air to air heat exchanger" installed and he did not. These will help with the newer homes being sealed up very tight to take moisture out of the home from cooking, bathing, plants and so on. It is also possible to help this by bringing in some outside air into the return air to be heated and blended before suppling the home just to keep the house from getting "Stuffy".
So good insulation, some infloor heat, the sun is can be your friend, good luck with the new home to a fellow cheesehead!
Jeff
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