We explored several suggestions for heat/AC with economy as a primary consideration. The whole system cost about $21 K for a 2700 sq. ft two story house. Best Andersen windows, super insulation in the roof and outside walls, caulk all the switch and receptacle boxes; in other words, seal it up tight. We have an energy recovery ventilator in the furnace room that we run when there is a lot of cooking or when we have a few guests.
In 12 years, we've had one service call for a fuse replacement (I keep a spare and can do this myself now...)