There’s probably a lot of low-hanging fruit in terms of energy efficiency improvements you could make.
Many of them don’t cost much money and will show an immediate impact. When you do that, switching to a heat pump is cheaper because you don’t need as large of a system. When you go solar, it’s cheaper because you don’t need as many panels or microinverters.
Our local utility sends out an energy scorecard ever 6 months that tells you how you compare to nearby houses of the same size. We’ve managed to get our house into the lowest 10% consumption group, and yet we still could do better with insulation.