All I can chime in on is the unbelievable value in getting a new HVAC system. We live in NJ. Our system was builder original, about 18 years old. It was working, but our electric bills went to $600+ (!!!) a month in the summer. Then we went into a program from NJNG, our gas company. Replaced furnace, AC, water heater, insulated attic, vented the dryer. The concept of the program is that they do $15,000 in work, you only pay $10,000, the other 5 is a grant. And you pay it interest free, on your gas bill, it is about $83 or something a month.
ANyWAY, the outcome is, we went from $600+ a month to about $200. I never, ever would have thought that was possible.
I leave mine on 73.