Daniel, I have an Envision 5 ton system with 5-150 deep bore holes. I live in north east Indiana. My system runs on first or second stage most of the time. I have a large house about 4,700 square foot 1,900, of which is a finished partially exposed basement. I have not been on electric heat once this winter. We have had -19 deg F temps this winter, the system ran most of the day on 2nd stage but it was able to keep up. Most of the time, it will cycle between first and second stage. I don't know what my EWT is because I haven't checked it this winter. It is okay for the system to run 24/7 if your loop is sized properly it can handle it and that is where most of your savings come from. We keep our thermostat set at 73 deg F. We are a family of 5 - 2 teenagers and one who will turn 13 this year, we use a lot of hot water. Our total electric bill was $448 last month - more importantly we used a total of 4,848 KWH which is an average of $.0925 per KWH. (We have friends with smaller houes whose gas bill is over $400 not to mention their electric bill and they have their thermostat set at 67 deg F.) I would look to your insulation and make sure that your home is tight. If your dealer based his load calculation on a certain insulation value and it isn't there then you will not be able to maintain your temp without electric backup.