Earlier quoted context omitted.
We agree return temps should be lower, but to determine how critical this is you need to out numbers on that. In steady state operation at maximum load a difference in return temperatures of 15f is ~1% efficiency. But steady state at maximum load is an extreme situation the average return temperature is well below that theoretical maximum thus an even wider difference is needed for a seasonal difference of 1%. Redund…
As said, at some point you will likely replace your furnace by a heat pump. Then all investment to low temperatures will pay off. A modern gas furnace is no backup for a heat pump, as it also needs electricity. I would recommend a low tech solution like a wood stove for backup. I have one in my cellar. In case of a long power outage I would likely just install this through some open window and do some redneck stuff t…
Particularly in temperatures where the heat pump is at/under 2.0 COP for a few dozen hours per year, an electric boiler makes a great deal of sense. It's almost as clean as the heat pump in the extremely rare times when it's needed for supplementation due to extreme cold temps, can allow for a more suitably sized heat pump to cover the 99% of heating hours [meaning greater efficiency there], is extremely reliable due to its simplicity, is fully automatable with existing controls, doesn't require local gas supply network, and is a pretty good match for a heat pump.