Gas and Oil Home Heating Furnaces - Switching to forced-air

I'm about to retrofit HVAC in my home and I want to make sure I'm not making a mistake. Currently, there is no central air in the home and no ductwork. It is a two story home. The upstairs (1500 sq. ft.) has electric baseboard heat. The ground floor (also 1500 sq. ft.) has hot water baseboard heating (80% efficient propane boiler in the basement). The lack of air conditioning coupled with the electric radiators (too expensive) on the second floor are the two reasons for doing this. My plan is to remove everything and have two separate HVAC systems installed: one in the attic to handle the second floor (80% efficient furnace) and one in the basement to handle the ground floor (95% efficient). I went through the bid process and decided on a contractor. NOW, I have a friend who's making me have second thoughts. He did this a few years ago and says he really regrets not having radiant heat. He says that his bills went way up and it's not nearly as comfortable in his home. I'm a little skeptical about his claims as they apply to me. My insulation situation is pretty stout and I have also just installed Energy Star replacement windows. I'm expecting to use less energy with the new system. Certainly, my electric use will go down without those electric baseboard units on the second floor. Am I missing something? Is a new high-efficiency furnace going to burn significantly more propane to keep the house at the same temperature as my 80% efficient boiler? Thanks and I hope provided the right info.

Is a new high-efficiency furnace going to burn significantly more propane to keep the house at the same temperature as my 80% efficient boiler

Not if you get a nice two stage variable speed furnace.
Another option would be Mitsubishi multi zone ductless heat pump system, just a thought.

The upstairs is to be a Lennox G60V which is described in the brochure as a 2 stage, variable speed unit. The downstairs unit will be a Lennox G71P which is described as "variable capacity", variable speed. Since that is the more efficient unit (95%), I assume variable capacity is even better than 2 stage. Again, the current upstairs heating system is seven electric baseboard radiators. That sucks! I live in New Hampshire. Those things are killing me on electric bills. This new system I've described has to be more efficient, right? I understand that technically electric is 100% efficient so maybe I'm not using the right terminology. It's a more desirable way to heat. I think...

Most likely your existing boiler has the capacity to heat both floors. Why not keep the baseboard downstairs, add an a/c system for downstairs, & use the air handler for the new second floor a/c with a hot water coil for heating the upstairs? I don't think you will be as happy with scorched air as you are with hot water baseboard.