cwb I put in a 4 Ton Trane Geothermal Unit with closed horizontal loop due to having enough room to run the loop around the property. I used a propane log with blower fan in the fireplace as a backup. A single vertical Geothermal Unit sized correctly or oversized for winter could do the job, but when the Geothermal has issues you'll be in the cold, so you'll need a reliable backup. Electricity is going up every year while there is a glut in Propane from Ohio due to Natural Gas Liquids being taken from wells without payment. Propane is one of 5 components of Natural Gas Liquids which will be plentiful for the rest of the century. I worked for an electric company, they always have plans on how to get more out of each state to feed their ceo/king's greed. Using a Vertical Geothermal Unit will fit into your existing whole house duct work and the Freon side comes sealed and untouched from the factory eliminating leaks that could result from installing a split system. In my opinion, the less people that touch the Freon side the better. The above Quote leaves the most expensive part of the install Open with no specifications or price. I can hear an unethical Loop Install individual telling you "You do want the Geothermal hooked up to a loop don't you?". I got this quote from a Septic System installer after he owned my permit to install the system, and had put in the tanks. Now he wanted more money over the agreed upon price to put in the pipe to connect the house to the septic. These people do exist, so you need to have What You Want & Need in WRITING or suffer the consequence of running into one of these contractors. If you have a source of water for an open loop system use it, that's why your friend is happy with his geothermal. A closed loop will cool down in the winter as the temperatures & snow covers the horizontal loop with no Sun to warm the ground, decreasing the efficiency of your Unit. A few winters back we were all having problems heating our homes with a closed loop system. If you need a closed loop system using drilled wells, get a design and estimate in writing before putting in the Geothermal Unit. If you can afford the loop and continue with the install, have the loop installer tie into the geothermal Unit. It makes sense to me that the loop be complete outside and inside the house and hooked up to the Unit by the one company. Specify the Geothermal Unit using the Company name such as Trane, Carrier, Water Furnace and model number designator that defines all components to be included in the Unit, such as a Desuperheater Hot Water, material the water heat exchanger will be made of, Tonnage, Single or Two Stage compressor, then be prepared to wait for the SPECIFIED Unit to be built or located, accept no substitutes. I waited 2 months for a Carrier 2 Stage 3 Ton Desuperheater unit, but I got what I researched and paid for. Have someone help you understand & specify what you want & expect when the job is completed and Put It In Writing. You could be paying for a Mercedes after the install is complete, you deserve to get your moneys worth so specify, specify, specify. If you don't specify what you want and have an agreed upon price in writing, you are to blame for what you trusted others to take care of. Once you have one detailed estimate, go ahead and get a few more, you might find someone who cares about their customers and goes out of their way to make your system work, AS SPECIFIED IN THE CONTRACT. I built a house in stages using various contractors and I know the good, the bad and the ugly of hiring a contractor.