ICP products are ok.
Dual fuel can save 20% plus. It varies with what your utility rates are, and your climate area.
The discharge air temp will be lower with a heat pump.
One advantage of a dual fuel. Is that when the outdoor temps are low that the HP air temp would be low, the gas furnace takes over, and gives you the warmer discharge air temp.
Most of the time. When someone says you won't be comfortable with a heat pump. They are recalling the early days of heat pumps. When their performance was not very good.