[hijinks]

i would say if you have a gas HVAC there is little point in replacing unless you also have a lot of solar on the roof and sending a lot back to the grid.

If I was building a new home today and in an area that might get down to 10-15F as a low i'd 100% do heat pumps. The nice part about heat pumps for me is that they might get to temp and run at 10% all day long and keep the heat right at 71. Where a gas will turn on at 69 and heat till 73 and continue that cold/hot cycle

being cheaper also depends on current utility rates also