I'm completely confused by how to go with a new hot water heater. Our conventional gas fired 50 gal. tank is almost 20 yrs. old so we've decided to be proactive and replace it before it fails. Logic and tax incentives would say to go tankless but I'm hesitant due to mixed reviews. Should we stay with a conventional tank, perhaps power-vented or take the tankless plunge? Does anybody have experience with the A. O. Smith Vertex that claims 96% efficiency? I'd appreciate any thoughts!