Propane hidden charge.

[Oaktree]

If you go with propane buy your own tank and shop around for fillers. I was reading that some heat pumps are efficient down to zero degrees. That's my story.

This depends on the policies (always subject to change) of the suppliers in your area. As Deserteagle71 noted, not all companies will fill a tank they don't own. Varies by region maybe?
250+ gal tanks can be pricey, would hate to see you put all that money out only to have a tank that almost no one will fill.

When we moved here, I tried to talk my neighbors into joining a local propane group buyer group, but nobody did. $20/yr to save $1-$1.75/gallon. It has been great for us.

Depends on the area and participating companies. I looked into that once, the only company in my area that participated came by to inspect the house and found a bunch of things "wrong" that would need to be corrected before they'd take us on. Thanks, but no thanks. It also depends on how much you use, if you're a relatively small user, not many bargains to be had.

Anyway, have them get a copy of the contract you signed. Otherwise it doesn't exist.

I don't recall ever signing any contract with our provider.