Your a Mainer ....beautiful state. I'm no stranger to Franklin Co. NY. Gets cold there for sure! Currently in the hilltops of CNY.
I'm used to cold climates. Probably why I prefer spring, fall, and summer over the winters.
Heated with an indoor, forced hot air wood furnace. About 2/3s of this house is crawl space with the kitchen having a separate space. This area has no insulation and the foundation is stacked stone. Kitchen was one cold mother f'er!!!
Moved in in beginning of Nov. Had little time to prepare for winter. Got a log truck load of semi seasoned and green logs ... cheap.
My buddy fed me about 10 pick up loads of maple and other cuts of oak not suitable for firewood splitting. Have a good pecentage of the logs still. Burned about 15 cord.
I almost spit out my coffee at 15 cords! I'm on a woodstove forum as well and guys with the largest available forced air wood furnaces still burn 4-6 cords a season, even in places that average below 20f in the winter. That house must have about zero insulation.
Our winters have been fairly mild, since moving here in fall 2018 and fixing up this busted ass 1200 sqft house we only burn four cords a winter, and that's wood with less than 20% water by weight. First winter we just used a small (just under 1 cubic foot of firebox volume) freestanding cast iron stove, but that stove has been tested at 83% efficiency. The house was built in 1976 with 2x6 framing, 1200sqft saltbox, somewhat insulated slab (no perimeter, just under the slab and that is questionable) and when we got here the insulation was soaking wet with rotten framing all over. We've replaced most of the first floor insulation with R23 rockwool, but some stud bays are still empty and most of the band joist area is also uninsulated, for now. The main living area, almost all of the downstairs sq footage, is just studs and insulation with a weather barrier on the outside of the sheathing and siding over that.
Last fall I installed a wood burning cookstove that also preheats the domestic hot water. It's a bit larger than the freestander, but it is not as efficient at heating the house. It can carry the heating load in the milder parts of spring and fall, but not in "real" winter.
Also, I'm not a "real" Mainer, but born in the mountains of VA and moved all around the world as an army brat ad then joined the army myself.