Exactly, coolidge! Take last year for example, prior to me owning a OWB, I would have been so far in debt after paying $5 a gallon for propane that it would have taken me forever to pay it back. The selling point on OWB's is that yes, it is a large start up cost. However, if you take into consideration that a good owb will last 20 plus years if it is maintained and operated properly, you can prepay your heating bill up front and save huge amounts of money. So on an average home, let's say it costs 11k for a conventional boiler installed. Even if you only get 15 years out of your furnace, the monthly cost assuming you heat for 7 months out of the year will be around $100 per month. You can then add in your savings for those 7 months for DHW (for me it's $50 a month) Now, a typical person who is considering a OWB is most likely already paying a substantial amount of money just to keep their family warm. In most cases if a individual does the math it is a no brainer. Unfortunately, the initial start up cost scares a lot of people away. With a gasser, the cost will obviously be more but the plus side is the wood savings.