Thank-you everyone for all your comments/help/info!! I will be checking in each day to see anymore help/information.
I will definitely get 2-3 different bids and recommendations. Sometimes I don't feel I can trust the recommendations from the contractor's previous jobs (skeptic, paranoid??) I wish I would have done this a couple of months ago. Oh well, next year will be warmer in this house, as I sit with a shirt and sweatshirt on-lol.
Have a great weekend!