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My 2 cents - any gas fireplace will be less efficient than even a low end furnace. I have a big one in my Great Room and it is wonderful to keep it cozy when occupied, and for backup if the furnace should fail. But it just isn't the best way to heat a home.
Natural gas prices have been climbing along with electricity, and I expect that to continue. Get a reasonably efficient central furnace. Otherwise you risk ruining the resale value. If you sell, I expect you would have to install a furnace, even if you personally haven't felt it necessary.
John
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