timmmay: All of the heat pumps I have had a significantly louder than oil heaters, Even if it is just the air movement and I silent room. I suspect I have more sensitive hearing than average.
Heating the whole house including its contents and the walls is really key to making a house feel warm. Our house rarely Trolls below about 20° even if heating is turned off at 10:00 p.m. and not turned on again until 6am because I have insulated it quite well, and because it is heated well through. We discovered this by accident when we had a new baby and never turned the heating off, we were surprised at the heating bill did not go up much.
Oil heaters make creaking sounds as they heat and cool during use. I haven't been bothered by the sound of our heat pumps. But got Mitsubishi ones which I was told were very quiet. I have heard of complaints about other brands being noisy.