Thanks for all the replies.
To answer some of the questions:
1.)No, I'm not from the south. We're just moving ~50mi across the state line from IL, so we're quite familiar with the climate. Every house I've had has been forced-air gas, so I understand the comment about the airflow feeling cool. Though I've not heard about the germ issues before.
2.)I have been talking to as many people as I know in town, but it seems like everyone has their own opinion as to which is best - often with completely unsubstantiated reasons.
3.)I could forsee problems regarding the spacing around the baseboard heaters, as we have teenagers & cats, so I'm sure we'd have to monitor/clean them very frequently.
4.)Right now, we're not too worried about a/c. I really don't mind not having it, and we have a window a/c unit that I can put in the bedroom for my wife, which is pretty much where she hangs out. I would want to make sure the furnace was able to have a/c added though.
5.)Speaking of my wife, she does have a circulatory disorder & is very sensitive to cold, so the bedroom is usually kept in the upper 70's while we're home in the winter. The way the house is laid out, the upstairs would be just our bedroom/office combo, bathroom & one of the kids rooms. Since there's no existing ductwork, the contractor quoted 2-furnaces: one in the basement heating the downstairs, and a 2nd smaller unit on the 2nd floor - which would allow us separate control over it, thus able to keep a much smaller area warmer, while the rest of the house is set to a more reasonable temp.
6.)The house has aluminum siding, so I don't have much access to determine the insulation in the walls. The front porch, however, was originally an exterior wall & there's an hole in it which shows there's older blown-in cellulose type insulation. The back porch has attic access & it has rolled fiberglass, though it looks like it could use more. I've not seen the upstairs attic yet, though.
7.)The house we were looking at prior to this had a hot-water heat, fired by a newer high-efficiency gas boiler. Heating costs were ~$500/mo last winter. After inquiring, we were told by several people we could cut down heating costs by installing a forced-air system, which is part of the reason I'm presuming the existing baseboard radiators in this house aren't our best option.
Anyway, that's a lot of info. Thanks for all the help & suggestions!!!