[ecomodded]

Looking at the chart AC posted Pellets and a heat pump are much closer in economy then I imagined.

In cold weather the pellets might even surpass the mini splits economy

I hate Surcharges with a passion

I myself would Pass on the gas and pick up a pellet stove it could be used to preheat the water before the heat pump heater see it.

Could wrap the flue with a coil or drill and mount a loop inside alternatively use a stove with a built in water heating coil.

Could add a on/off water valve and drain the copper tube when your not heating fresh intake water for the bath or shower. that way its used when required and not when its not.