45K for a $560 a month heat and hot water bill, wow. I spend about $850 annually for heat and hot water for 3000 SQ ft of poorly insulated 3 story house with a coal boiler. No one month is ever more than $170 for 25 million BTUs . For that much cash you should be able to super insulate and heat the place with a candle. Installers around here require that you upgrade the insulation levels dramatically before they install anything.
Very proud of you. $25k was the furnace system, the other part were necessary improvements that would have prohibited any system from working other than radiator heating, which would struggle some with my main living room being close to being 1000 square feet by itself with 35 foot ceilings, and one wall being nothing but a fireplace and windows.
Also, my load is 90 million vs your 25 million, which is close to 4x your amount. My bill is less than 4x yours.