Sorry for the long time lapse. I've got a newborn and time seems to be scarce right now.
Geome - I've asked the contractor to do me a comparison of geo vs. ASHP. No reply from him yet.
Joe.ami - I'm in Iowa. On the sizing thing, can we have the whole house radiant with a 38K unit and supplement with electric resistant forced air? How would that work? Also, our ductwork is in the basement, but our house design instead of a second floor, we put it in the basement with a walk-out, so it is going to be finished and the kids bedrooms are downstairs, so duct leakage is not much of a concern for us, other than to make sure they don't leak so bad the farthest BR won't get air or something like that.
Martyrh - with the tax rebate the end cost of geothermal is about $6K to 8K more than air source pumps quotes, which is why I'd like to know if it is worth to go with geo for that extra amount of money.
Tom Andersen - our heat loads for the basement are 14K and about 26K to 28K for the main floor (depending on the contractor doing the load). The thing is that two contractors that I've asked have told me this: To do whole house forced air - 3 ton unit with electric aux. To do forced air heat main floor, basement radiant - 3 ton unit with electric aux forced air. To do whole house radiant heat - 5 ton unit. To me that does not make sense that I have to upsize that much. When I ask they say it's because water heating is more demanding, though they can't explain why. I think it's because they don't know about radiant and to cover their behind they say I need bigger unit. Both also made the comment that with the radiant heat in the basement on, the forced air upstairs won't kick in as much since the basement will heat up the upstairs as heat rises. The problem with that is that there's no hot air in the basement
We have a woodburing fireplace as back up.