Nonhog,
How much of the work are you planning on doing yourself? Are you looking for a quick turnkey solution, or are you willing to invest some sweat equity to save a considerable amount of cash?
It sounds as if you want to keep your existing ductwork and at least some of your existing equipment. Although it may be less expensive up front to just throw something in, you really want to get what you already have evaluated by an expert or at least do a decent energy audit/heat load analysis of your home before improving upon it. Most utility companies will do this sort of thing for next to nothing to point you in the right direction. You may find that your home leaks air or heat somewhere badly, and fixing the energy drain may change the economics of what you already have for the better.
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