Advice needed:Time to replace my natural gas furnace. Should I get a heat pump instead?

[Tortue]

10. DIY'er installed. Love it!

Last year I installed a 3 zone, 30k btu Mitsubishi Hyperheat model in my 1k sq/ft home in Seattle.
Ordered everything from a company called Younits out of Illinois.
Contractor and I calculated the size/needs and I installed it. If you're somewhat mechanically/electrically inclined, you can save a ton of $ from the crazy installation costs.
I removed the old oil furnace and built all new sheet metal supply/return plenums, filter box and tie-ins for a ducted mini-split unit, all by my little old self. Took about 10 days total, and I'm pretty much a one-armed guy (due to some nerve damage).
I'm now paying about 1/4 of the cost of previous oil heat, and I also have awesome A/C!
The controls are local and also automated through a Home Assistant/rPi server.
Mechanical/Electrical permitting was straight forward and not too expensive.
I took an online EPA rule 608 course so that I can buy/handle refrigerants legally.
I saved approximately 50% of the quoted costs and also now have a full set of tools for future maintenance.
I'm 64 with a mechanical and electrical work history.
Total cost including contractor's fee, permits, HVAC tools and supplies - $7.5k.
My neighbor just spent $16k for essentially the same system, installed by three guys in one 8 hour day.
$9k for a one day installation!!