AC + gas furnace vs, Heat Pump + furnace
I live in west central Indiana. I'm replacing the 18 year old 80% gas furnace with a 95% Bryant. I will also replace the 18-year-old single stage 10 SEER A/C unit, but am not sure whether to replace it with another A/C unit (3-ton 17 SEER) or a heat pump (3-ton 16 SEER, 9.0 HSPF)
The heat pump is about $600 more than the AC unit.
I get that the heat pump may save money (electricity being less than natural gas, though I don't know how to figure comparative costs) and will make the furnace last longer. But it seems that (1) the pump, with a slightly lower SEER would cost a little more than the A/C to cool, and (2) since the A/C and pump both cost over twice what the furnace costs, it would be smarter to use the furnace more and make the A/C last longer.
I'm also not sure how cost-efficient the pump would be at temperatures lower than 40.
So I'm tending toward the A/C unit.
This is my first foray into the world of HVAC replacement. Any suggestions?