Air to water heat pump

last year

Starting a new build in spring and will be having in-floor heat throughout house.
Main floor 2400sq and upper 900 sq with a 900sq bonus over the garage which will also be heated.
I have 2 quotes for geothermal and its a lot more than our budget
Looking into air to water heat pump instead.
Looking for anyone that has tried these in a cold climate. Zone 6 Minneapolis.
Both quotes show a 9-10 ton unit for geo is this equivalent to the tonnage of a regular unit? Seems high.
House will be 2x6 walls with 3" of exterior insulation so i thought the heating demand would be lower.
These systems intrigue me as i could offest with solar if needed and use my propane as a backup.
Any thoughts on these?

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