Nipper, I'm in a much warmer climate than you here in NC. When I built my house we started off with an oil furnace. It was nice instant warm heat. When we remodeled gas was going up so I switched out to a heat pump. I love the heat pump and for me it costs less to run than the oil furnace.
As for brands, I can ask my dad what he thinks. He's plant manager for over 30 years at a plant that builds oil furnaces. I put in 10 years there on the assembly line back in my younger days too. From what I know on the subject (not a lot) I don't think I'd go with a heat pump in Indiana. I think you are on the right track with Natty gas.
I just emailed my dad....we'll see what he says on brands.
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1994 Wellcraft V21
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