Hello, It's about time for us to replace our conventional gas HVAC and we can choose between a conventional system or a geothermal system. Our utility bills are currently very reasonable. Our house is well insulated and gas & electricity are pretty cheap in our area. I calculated that we would not break even (even considering the tax rebate) for 13 years. Has anyone else been in this situation and chose geothermal? Most people I've heard from who switched to geothermal had very expensive utility bills and thus the decision was much more straightforward. Thanks!