NE Ohio can get pretty cold in the winter. How cold does the incoming water get in the middle of the winter? One of the big things with a tankless is that the amount of water it can heat depends on how far it has to raise the incoming water's temperature or you have to live with the water out the tap getting colder and colder as more people demand hot water. IOW, tankless tends to work best when there isn't a huge load. FIlling a large soaking tub demands as much of the heater's output as possible, or it just takes forever to fill the tub! Getting one big enough may require upgrading your gas service all the way back to the street, which can be quite expensive. THis is where a tank works better...you have likely lots of time to reheat it, but you can dump hot water as fast as the valve can deliver it to anyone that needs it.