Oh, I don't know about repairs and service costs being all that great with a forced air gas fired furnace system.
This here home had a 17 year old forced air gas furnace when I bought it. 18 years later, it's now 35 yo and it's never needed a service visit. I did retro fit it with better duct sealing and insulation, and upgraded the filter holders (they are below grates in the floor in the house) but that was not directly related to keeping the furnace happy.
As in other areas, one would have to be somewhat insane to try to heat a home in California with resistance electric. Rates zoom up to over $.30/KWh when you get over about 600 KWh/ month. Insane.
As for heat exchangers, they can be set up to provide aux heat with gas as well as electric. And I imagine that gas could be natural if your home is piped for it, or propane if not.
A good idea is using ground water for the heat exchanging medium. While outside air can dip well below freezing, ground water is typically no colder than about 50F. So it would be more efficient. But it does mean drilling a well and ensuring it's always below the water table, and there's sufficient well volume or water flow to ensure the water doesn't drop in temp or freeze. And of course the associated plumbing. I suppose there are also ground heat exchangers that use a gridwork of plumbing in the soil at a certain depth.