Thanks for the suggestions of getting another quote for my
furnace/ductwork. (Although I was pretty much thinking about doing
that anyway <G>).

Got a quote from a different vendor here in town, about $2000 cheaper
to get the furnace installed, ductwork done, & gas line plumbed to the
outside of the house so could tie in natural gas service.

Really changes things, especially after I found out I wouldn't have to
have concrete poured down there, they just suspend the furnace from the
floor joices.