Don’t know what heat pumps you got, but ours are more efficient than the oil baseboard system until about -10 (theoretically, we haven’t had much under -5 in the last few years). The efficiency also only really drops at -5. Daikin is our brand, they’re awesome and the reduced AC costs in the summer are massive as well.

I remember a time where our house didn’t have AC in the summer as kids because we didn’t need it!