I have a dual zone setup with two 3.5 ton heat pumps. They're both about 14 years old, and seem to be running well, although I know they're not going to last forever. The upstairs unit is all electric, but the downstairs has an oil backup. The oil kicks on when temps drop below 40 degrees.
I've thought about looking into seeing if I could adjust it so the oil could kick on at a lower temp, to save on oil usage. But I only use about 200 gallons per year, if that. I don't think home heating oil goes bad as quickly as gasoline, but I figure the less I use, the longer it sits around and has a chance to go stale, so I figure I'm at a happy medium for that.
As for comfort, the downstairs unit always seems to blow nice and warm, although it definitely feels warmer when it's using oil. The upstairs unit, even though it has no trouble keeping whatever temperature I set it at, still seems to have a chill about it.
I'm in Maryland, not far from Annapolis, and our winters don't get TOO cold for the most part. I think the worst it's been in the 4 1/2 years I've been in this house is maybe 5-6 degrees. I've always lived in this area, although my old house was about 10 miles west, just enough to make a difference. I'm somewhat close to the Chesapeake Bay and its tributaries at the current place, and I think that might keep the averages just a bit warmer in the winter At the old place, temps would get to just below zero F, every once in awhile, but I can't remember the last time. Maybe a couple times, in the past 20 years? I do remember a serious cold snap back in early 1994, where lows were regularly minus 12-13...but that was one for the record books! Back then, I was living at my Grandmom's house, and the circa 1959 oil boiler with baseboard heat kept that house nice and toasty.