Water heaters are gas; went with electric heat because of the gas water heaters. House was going to draw so many BTUs with gas heat that I would've had to upgrade to larger gas service, which was going to be $6-7k (and this was two years ago). I figured, "Hey, I've got all this fancy insulation, how often am I really going to run the heater? But I use hot water every day..."
So much for that theory.