3 days after I moved into my new townhouse in BC (early Dec) my furnace broke. It took quite awhile to notice because the house stayed quite warm. It was the noise that alerted me. I had it looked at, apparently I need a new furnace. Estimated cost for 95% efficient around $$$$. My issue is, I have been 6 weeks without a furnace, lots of cold days (0 to -14)and one oil heater plugged in on each floor (two) is sufficient except on the coldest days (gas fireplace for a few hours picks up the slack). The house is actually sometimes too warm. Do I really need a 95% furnace. I may only live here 2-3 years, so I'd rather not spend more money than I need to and clearly this house doesn't need much to stay warm!
Naturally, HVAC people I've talked to all encourage the $$$$ expense, yet I see new 80% furnaces for sale at under $$$$. I would be most appreciative of some honest advice.