I am being specific to the OPs situation. Read my second line which you quoted. "in your situation" was referring to the following ...
1) he's already paid for a new NG condencing furnace, presumably capable of carrying his whole heat load demand
2) to get a HP system capable of that same heating load in his area, he'd most probably have to get an entire new cooling system as well. He can't just replace the exterior compressor unit and expect to carry the same heating load demand. I presume his current indoor coil is sized for his cooling load (probably not huge in ND). But a HP unit needs a larger indoor coil (relative to cooling loads) to carry the heat demand he'll have in winter. So, in essence, he's going to have to buy an entire new cooling system (exterior compressor unit
and indoor coil), and also have the added rework to his ducting (to fit a larger coil), and for what purpose??? As a "just in case" he needs heat when his furnace fails?
Again, if he's only looking for back-up (in case of emergency) heating, two or three blue-flame heaters are FAR, FAR cheaper and FAR more reliable. For Pete's sake, why pay for an entire HP system when he already just paid for a entire furnace system??? Having one or the other makes sense; having BOTH systems is a complete waste of money. If the desired effect is simply to provide an emergency back-up, a few low cost HG wall heaters are by far more sensible.
However, if he's looking to save money using HP versus the brand new 96% eff furnace he just paid for, well, there's pretty much no way he'll save enough money. Becuase he not only has to include all the costs we talk about (cost of the "fuel" be it NG or electricity) but he ALSO has to include the cost of an entirely new furnace THAT WILL PRESUMABLY SIT IDLE WHILE THE HP RUNS. Take THAT cost and include it in your calculations folks!
The OP initially said he "just replaced" his furnace system. Yet now "it's time to replace the outside AC coil". If he knew that he'd be replacing an AC unit (nearly) immediately after doing the heating system, he should have done an ENTIRE SYSTEM all at the same time. He's trying to engineer savings into his choice after already buying 1/2 the whole HVAC system. It's too late; he chose a path. What he'd have to spend to get a PROPERLY SIZED HP system will eat up what savings he'll get. A properly sized HP system is either engineered to work on it's own for all seasons, or as a dual-fuel system ONLY if it's sized and put together as a properly selected package from the get-go. Trying to engineer savings into a HP after-thought system after one already committed to a traditional NG furnace is, well, silly.
But then again, this is BITOG; whether it's syn oils changed every 4k miles, or buying a HVAC system redundant to one you just bought, wasting money is a priorty for some here ...