The newest heat pumps work fine at low temperature
Just make sure you get one as there's also a lot of obsolete crud out there on the market and your local traditional HVAC installer will help you find it. (sorry, that's mean).
Understand what you actually have now: a stack
You have a traditional forced-air gas furnace. That consists of a "stack" of appliances, some of which are optional bolt-ons: (bottom to top)
- A gas-y burny thing that makes a lot of heat
- An Air Handler aka a big blower and some ducting which shoves air through the stack. The burny thing commands the blower to run when it's hot enough. However, other machines in the stack can also request air handling even if the burner is off. We'll use that in a bit.
- An Air Filter you should probably change from time to time.
- A large network of Ducts to shove conditioned air around the house.
- Some air return passages to bring air back to the furnace/air handler so we aren't shoving good air outside.
Now, on top of that, you have optional things that can also go in the stack.
- Ultraviolet lights for killing bugs
- Better air filters.
- A humidifier.
- A Freon-Air heat exchanger for use by air conditioners and heat pumps.
And every house in America has that last one, don't they? :)
Your air conditioning works by using the air handler and duct system nominally owned by the gas furnace, to carry the chilled air around the house. Without it, all you'd have is an enormous ice cube around the heat exchanger.
Delete the furnace, delete the air handler.
Your proposal is to delete the furnace and all those silly ducts. *Oh man, I am with you - at the lodge we have a building that is 2 large rooms, and the downstairs was greatly degraded by someone installing a gas furnace and a "duct-o-pus", and the drop ceiling to hide that makes the room dismal.
The air handler is part of the furnace.
So if you delete the furnace, you delete the air handler and now you have no way to move heat around the house. And likewise, if you delete the ducts, you now have to figure a new way to transport heat around the house.
Now I'll grant you: traditional HVAC guys are traditional, and want to sell 70% gas furnaces and 6 SEER A/C units forever and don't like change. So they are conservative thinkers. But they're not wrong. Retaining the furnace and ducts is the cheapest way to resolve heat distribution. In my case I have 2 large rooms so 2 mini-split heads will be fine. But say you are in the snow belt and your bathroom has a duct coming into it. Go with wall-units off a mini-split, are you saying with a straight face you plan to put a unit in the bathroom? If not, then what if there's a pipe in an exterior wall, letting the bathroom get cold results in it freezing? Whoops. A/C contractors don't want to be involved in surprises like that.
It's OK to go all-heat-pump and let the gas furnace just sit there being an air handler.
That will do several things for you.
- You get to arbitrage between cost of gas and electricity, running the cheapest one this season/month. E.G. during a cold snap, when the heat pump's COP descends below say 2, you may find it more economic to run the gas. European gas is priced by the kWH which makes these comparisons super easy. Smarter thermostats can set that up as "emergency heat" because they know the outside temperature, because they are on your Internet asking the Weather Service the temperature at the nearest airport. Although an integrated system may simply ask the outside unit.
- it's there if your heat pump fails - turning it from "OMG need a repairman RIGHT NOW before the pipes freeze" to "OK, get on the list to have that fixed".
- on the off-chance you have a super-chill that is limiting heat pump performance to "not as warm as we'd like", you have options.