A big side note. The "experts (people who desing high seer homes)" are now more concerned with cooling than heating, and that the US uses some astronomical amount of energy to cool compared to heat. Heating is much more energy efficient than current cooling methods. I put this out there because I never thought of energy this way, but in looking at the bills, it really makes sense. I spend way more in the summer than in the winter...
Move to Wisconsin! I spend about 7-800 in propane for hot water, dryer, cooking and heat from September 30th to March 30th. (Wood heat) I have less than $50 in AC bill this year so far. Actually, much less as I only had to turn it on 5 or 6 days this summer.