I presume the electric furnace is included with this home due to it being a southern zone 3 model. I would be afraid of electric bills as well. That being said, if you are going to purchase and install your own A/C unit anyway, I would definitely opt to spend the extra money and get a heat pump. You might get a break from the power company / co-op with all electric heat as well. But, I think I would also opt for the outside wood stove also. If you are very handy, you can build the heated air type pretty easily. That's what I use. My $.02.
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