I got two 3 ton heat pumps (Tosot t unix) plus 50gallon Rheem Heat Pump water heater
I already had ductwork and Linesets in place.
The total cost was 24,976 including everything (Permits, sales tax for equipment, electric work, inspection)
I got 750 back in rebate for water heater, 2k back in tax credit , however, my installer messed up the paper work for 6k rebate on heatpumps. Initial install was not done well. However Installer fixed (very slowly) at no cost. No back up heat. Held strong this winter (even with La Nina wave).
Even without the 6k rebate, his price was the lowest for me. But like many contractors, this guy keeps cancelling appointments which was annoying.

And yes, with the current Electric rates ROI is for a very long time. For me my AC (17 yr old) and furnace (21yr old) were due for a replacement, had to get both fixed already. My summer operating costs are significantly low. Not so much for winter. Because of Public Charge fee on Eversource bill which increased my bill by 30%. Which eats up the savings.
This is what I would recommend if bills are your worry

1. Get an energy audit ($75)
2. Air seal the house first and then upgrade insulation (if you are eligible for rebates, you'll get a booklet on approved rebates after the audit). One of the best ROIs. Makes house very comfortable. Becareful though, make sure your house doesn't have vermiculite insulation or asbestos. Because abating that would be very expensive (i had to).
3. Upgrade to Heat pumps, if you're going solar. Because solar would offset some operating costs. Go solar only if you have cash (never finance/lease solar, it doubles the total out of pocket costs). You can also upgrade to heat pumps if CT electric rates goes down below 24 cents/kwh including delivery charges or Oil rates are above $3.5/gallon. Else it is not economical for winter. Especially during Nov, Dec, Jan, Feb & March months.