I have heat pumps throughout my house in New Jersey - They are all Fujitsu Inverters with variable speed compressors that run as fast or slow as needed depending on the amount of output needed. 3 of the systems were installed by the previous owner over 10 years ago and have SEER ratings around 15 and are all the on wall ductless mini splits. We recently replaced/expanded the 4th system to be 1 32K BTU minisplit monster in the attic where it can be 120F in summer, and then 3 hidden ducted units for the bedrooms. This new system has a SEER of 22 which is insanely energy efficient and works down to -15F.
I REALY like the hidden ducted systems. They look like central air but allow you to set the temp in each room individually which is great for bedrooms. They also have the benefit of having thermostats on the wall which act as temperature readers to more accurately control the real temperature in the room.
A simple explanation of why they are so efficient is instead of creating heat by burning dinosaur juice, it simply moves it from outside -> in, or inside -> out.
Harvey - I don't know the layout of your place, but if it's possible, I would do a ducted mini split system with the handlers in the basement ceiling, and with the vents being at floor level on the first floor. Putting the vents on the floor for winter heating in the first floor is important and it's my one complaint about the original system from the previous owner. If I ever need to replace my first floor system that's what I'll do. For the 2nd floor you can do ducted (if you can) and put the vents wherever, or just do regular minisplits. For the 2nd floor if you can't do ducted, and don't want the minisplit on the wall, they also have ceiling cassettes that are designed to fit in between the joists. My joists were too narrow so this wasn't an option for me.
If you can get the vents at floor level you don't need radiant heated floors. For backup heat when the power is out I would just get a generator (or a solar panel and a battery)