For those who have OWB, how do you heat your house, and do you like that option. I live in Wisconsin and will be building a house with an OWB. My heat option was going to be forced air on the main floor (due to wanting central air also) and radiant floor heat in the concrete in the basement slab (underground basement). I talked to someone today that sells the radiant floor system and he thinks it is a waste of money. I figured if he sells it along with OWB and other things, he may have a good point.