[ttwwmm]

Heat pump models usually have a resistive element for use when the heat pump can't keep up, or when the climate doesn't cooperate. Then you benefit from the efficiency whenever possible. (Here in coastal CA I have mine set to only ever use the heat pump since the climate is so mild.)

The up-front cost of a heat pump is definitely an issue. IMO we should be doing instant rebates to even out the cost between the two so that it's an easy decision.