I echo NSMaple1. Ground source heat pump for main heat/cooling, but if you go this route get a contractor that knows heat pumps. They typically need a smaller sized well pump to run longer when cycling, and multiple bladder tanks for increased water reserve to reduce cycling of the well pump (more mechanical room space). There are many kinds of heat pumps, air to air, ground source, etc., and different sub-groups in those. Air to air heat pumps are not efficient in colder climates. You probably do not want one. (If you have city water then no heat pump .) A supplement to that could be anything you choose, and as a supplement, you can heat with wood are not tied to it. Huge plus in a world of changing circumstance, job travel, injury, resale, kids with asthma, etc. Excessive creosote built up can be from several things, such as colder exterior chimneys, poor draft, and poorly seasoned wood, or choked down fires. Regardless, the chimney/roof line and access to it in winter, will be a consideration for cleaning/inspection. Your going to have to get up there with a chimney brush several times a year, unless you go the outdoor boiler route. Trukn2004 suggests flue stainless, which I second. There is triple wall stainless, in which is insulated between the inner and middle wall, and an air space between middle and outer wall. Another thing to consider, is an outside air supply for a wood stove for better flue draft in a tightly sealed house. Plan it in your home when building, and choosing a stove. Interior design and air flow will have a lot to do with your heating choices. If your plan is to save money by heating with wood, first check with your home owners insurance agent to see if you will be paying in some cases much higher rates, and if that is true with outdoor wood heat as well. Have fun picking and choosing from all the options.