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I run mine in a similar climate to what you’re describing. Air based, not ground or water. Absolutely zero problems at all.

Either I have some magic heat pump or a lot of the horror stories are overblown or based on using out of date technology.

I also suspect that the heat pumps may be undersized relative to the home’s heating needs, particularly in older homes that are not well insulated.

This is a good point, we have good insulation and doubled glazed windows.