Sounds like your location is typical of a cold and cloudy Central NY climate. More solar panels would not give much improvement and the geothermal has its high electrical cost.
I have both systems but my Connecticut kwh cost is 2nd highest in nation. At extreme temps, geo is not so efficient, unless your house is real small.
So after a 11 year hiatus, I'm back burning wood with a high efficiency woodstove. Not so much for cost saving, but in case society spirals out of control.
Like you, my wood hauling days are numbered. Maybe another 10-15 yrs, if lucky., more if necessary.
But energy cost is not the main challenge. With the possible collapse of industrial society in our lifetime, we need to relearn skills in food gathering and storage.
If the transportation system shuts down for an extended period, what would most people do ? Loot, steal, then starve. Generators ? They'd run out of fuel too. You need wood.....always. Try to stay in shape, keep several year supply of cordwood. Guard it with your life. And have a well stocked root cellar.
A few cases of home brew wouldn't hurt either. Good luck.
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