I can't comment on your specific quotes but yes, closed loops are way more $$, at least here in Ct. I dropped a suitcase full of cash on my 5 ton closed loop, 2 x 350 ' vertical borings with Waterfurnace heat pump w/ a de-superheater, water to water system.
It made sense since I don't plan on moving and my existing oil furnace system was way undersized for my 3000 sg.ft home.
Payback time ?? I don't think in such terms. No fuel trucks coming to the house is good enough for me. But my electric bills did spike........so I went for a grid tied solar array out of frustration. NOW I'm free from all the BS, just poorer, but self reliant. Basically, it's either pay now or pay later with homeownership.
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