>>But here's my suggestion: Look into a way to get a wood burning furnace for a lot less that $15,000.* *I'll bet you could do that.
Definitely available for less...this is the best (as far as I can tell - HS Tarm). It does oil and wood as a single unit, which is important for me(i.e. if I go away on vacation) and so I don't need to put in a second flue/chimney which I would have to if I added a wood unit to the existing boiler...and it also is super effecient, so probably burns half as much wood as a less effecient one...the other nice option is the 500gal hot water storage tank...so basically you can use the unit in the summer to get hotwater...fire it up maybe once per week and it saves up energy in a superinsulated tank for use all week long (helps with the payback period if I don't need oil all summer too). I've looked at cheaper units, so far haven't found one I like better, but I am still looking. A simple add-on unit would be a lot cheaper, but alas, only one chimney to use....
This particular unit is for indoor use...don't think any of the outdoor ones are nearly as good...I like keeping the mess outside, but then again you need to go out in -20 below weather and feed it 
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