That indeed sounds a bit on the high side. There are not many installers, so I think they might be benefiting from the "uniqueness" of the product.
A 3 ton GS unitized heatpump costs the installer $ 2200 - $ 2500. With the other required hardware you are under $ 3000.
The big factor here is your comment about 4 zones. If it is an air distribution (in the house), and you already ducted ? If not, that is a significant cost in an existing building. If you have ducts for a furnace/hot air, the ducts may be too small for a heat pump, which requires bigger ducts to handle the higher airflow needed for the lower duct temps.
The next factor is the zoning. The only practical way to zone heat pumps is to have 4 separate units, of smaller size. This would push the equipment cost to $ 8000 +. Zoning with duct dampers is not really practical in most residential systems.
Next is the ground source system. 3 tons is 2000+ feet of tubing, with 700 to 1200 feet of trench, depending on how the system is designed and installed. A few thousand bucks there.
Your best option may be to install a single zone GS unit. You mentioned a creek. If it flows all winter, and is deep enough it could be used for the GS heat pump, and virtually no trenching is needed. Efficiency on these water sourced are quite high.
Alternatively a 3 ton air-air unit would work as well. Instead of electric backup, consider an oil or gas fired furnace as the backup. In these systems when backup is needed, the furnace is used rather than electric strip. Usually a cost savings, of course a function of oil and electric prices. Solar absorbers are a nice idea, but not very practical and unfortunately no sun at night when the coldest temps hit.
I would get some bids on the air-air installations, and compare the costs to the GS unit. Each installer (air and gs) should be able to give you an estimated cost based on KWH rate. Up the rate to a guessed future value and see what the savings are, and see if it make economic sense to go with the GS.
paul