Having to replace furnace, some questions

QUESTION:

I am needing to replace the furnace in my house with a new one due to a cracked heat exchanger. Now, I've been reading a bit and possibly I am being taken for a ride. My furnace is a 20/30 year old GE unit and my outside unit is from 1983 also by GE. I am considering replacing them and have gotten a few bids for a Lennox, a Trane, and an Amana.
My questions are should I opt for a 12 seer or 13 seer system? I understand that there is a payback curve and I am here in San Antonio, Texas. We don't use the heat that much, but AC really gets used. Is there some sort of rule of thumb/calculation I can use to determine which to choose?
If I get a 13 seer, should I opt for variable speed? Naturally, this costs a lot more and the cost is running close to $6000. This comes with a 10 yr warranty as well which the guy claims is essential for this kind of equipment. My bids are running from $3600-6000 depending on the equipment used.
Next, I have been reading enough to know that equipment matters less than the person doing the installing. The question is how do I know who is good and who is bad? I don't see all these companies in the BBB. One of the companies is a division of Service Experts, and they offer a 100% satisfaction guaranteed deal for the first year.

ANSWER:

Trane, hands down, among those three. Get three estimates from locally owned companies. Make sure they do a load calc, Manual J and Manual D ( duct sizing ), so your new system is the right size. If you think you are being taken for a ride, by the company that is there giving quotes..guess what? Dont use them.


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