Scenarios are all over the place. If funds are scarce, the horizon short, the house cut up into small rooms, and the electricians willing, fixing the ceiling heat for $200 is a no-brainer. If funds are adequate, the horizon longer, the floor plan somewhat open, and the mini-split installers competent and competitive, new heating equipment is probably smart. I deal with homeowners all the time on energy/heating/remodeling/payback scenarios. Some people want to keep their chitty, uninsulated, cut-up house for a few more years and just want to be able to keep the place at 65 degrees by any possible means. Those folks need to go to the hardware place and buy one or more 1500-watt oil-filled radiator space heaters and put them near where they sit/stand/work. Other people like their location, like their house, and can make some improvements with a ~10-year period in mind. Those folks often get mini-splits and 100% of them later report to me that they love them. A fairly common profile here is someone older who is tiring of cutting, splitting, carrying, and lighting wood in their stove. They are going to install something to supplant or replace it, probably a mini-split. From what I know, a lot of the northwest has solid rebate programs for the equipment, so it's a popular choice.