Let me remind everyone that Acres lives in FLORIDA in the winter so it's easy for him to talk about efficiency and insulation. Here in New Hampshire, you can have has much insulation as an elephant but if you ain't got no good source of heat it still feels cold, big time!
Learn to love the NH winter; go with a Toyo oil or Rinnai propane hot air heater as an addition to an existing forced hot water heating system, and start thinking about a little outdoor hot tub.
Wood stoves are terrific, but for most people, they are just a form of recreational heat.