We love our Mitsubishi mini splits; they are our only source of heat in Mass, and they did fine with last year's record lows. They are WAY cheaper than oil.
Another poster mentioned maintenance--I have only had one year with the mini splits, but I've looked at them very closely and I had oil for decades. Oil was a bear with annual maintenance and the predictably annual furnace failure of one sort or another. (Coincidentally, our oil burner flooded our basement in another home just yesterday with a gasket failure.) I expect the mini splits to be much less maintenance--they are really just air conditioners working in reverse.
Good luck!
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