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A bit different situation w/ similar climate, just North of Albany
I replaced my HVAC last year w/ a hybrid, natural gas/heat pump
from the factory the heat pump was set to operate down at least into the low teens, the lower the temp the less efficient the heat pump, The cost of gas vs the cost of electricity means that I changed the switch point to ~50F, below that I use gas, above that heat pump.
this seems to work very well, as the winter heating bills and summer A/C bills are way down from those w/ the old system
I did go w/ the most efficient system I could find.
A very pleasant side benefit is the relative silence in either mode, I can barely hear the system at any time.
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