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Condensing Combi VS Condensing with Indirect Tank

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Hey everyone,

Looking for some help on which way to go. I'll try to make a long story short and I'll be happy to answer any questions.

I have roughly 3000 sqft house that is heated by hydronic baseboards in three zones, one for each floor. Currently they are powered by an electric boiler and the cost is killing us. We had a couple $1600 bills over the winter. We live in British Columbia, west coast of Canada and electricity is very expensive here. So, I am looking to switch to natural gas. Speaking of location, our winters are considered mild, at our coldest we get down to about 28F/-2C. Maybe a bit lower in the last couple years

My questions is whether I should look at a combi condensing boiler or a condensing boiler with an indirect tank. I should mention the bottom floor of the house is a suite, so there is a tenant in there who I have no control over when/how they use their hot water. They have a washer and then just domestic taps, no dishwasher.

A contractor I am talking to right now is suggesting a Navien combi condensing unit, which after a short look online I am very skeptical of. All I see are nightmare stories from both homeowners and contractors on the units themselves and the support from the company.

Any insight and advice would be greatly appreciated!

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