>My gut feeling is that the only alternatives that would be worth considering are the city-level ones a few have mentioned.

100% this is where Im starting Im just getting the last of my stuff done.

>That's rather warm for present prices. My system has a minimum of 61, and that's really higher than I can afford.

My wife and son are already constantly complaining that it's too cold. If I drop it more I might have worse problems than shaving cents off my bills. hahaha

Again Thank you for your time Sincerely!