*We have oil heat and radiators*

Oh crap, you're on that junk too? Oh noes.

I would switch to a heat pump, but those things cost eleventy million dollars around here, and I'd basically have to drill holes into the wall for the mini-split system so the aesthetics aren't ideal.

Otherwise, nobody is gutting anything around here. It's basically 50-100 year old houses that just get new siding on the outside, and new kitchens and bathrooms on the inside because only speculators do tear downs.