800 sq ft northern Michigan cottage. Trying to decide on 9 baseboard heaters controlled by 3 thermostats, or one central electrical furnace unit. Ducts have to go thru uninsulated attic above insulation or below in crawl space. Cottage built on post beam joist design like a deck. What's more cheaper to run? Lose too much heat thru cold attic or crawl? Used 8 months year, not in coldest part of winter. Thanks. Have Cadet baseboards on hand. Appreciate advice. Don't want to use propane, no natural gas available.