I'm in that situation -- oil burning furnace with forced air. It's a 1980s vintage system with an outdoor double walled oil tank. I could replace the furnace

I'm in that situation -- oil burning furnace with forced air. It's a 1980s vintage system with an outdoor double walled oil tank. I could replace the furnace with an air source heat pump. But it turns out the people in the 1970s who designed the system weren't really on-the-ball. There's insufficient return, it's not balanced such that it's way hotter upstairs than down, etc. Further, if I wanted to blow cold air through the system I'd probably collect lots of moisture on the vents because it gets humid in the summer. The solution, though, is multi-zone mini splits that just pump the refrigerant around and expand / compress it where I want the heat/cooling; that gets rid of the big noisy air handler, allows my system to be a multi-zone system, and generally seems like a much better design. And with modern heat pumps, I don't think even in new england I'd need backup resistive heating.