Your statement of warranties is incorrect. They do not have the same warranty. Carrier and Bryant have the same 10-year parts warranty when the new equipment is registered on-line within 60-days of installation. Otherwise, the standard warranty is 5-years. The 10-year part warranty for Carrier/Bryant is transferable to a new owner should the need arise. Payne has a flat 5-year, non-transferable warranty. There is no 10-year option and the standard warranty is applicable to the original purchaser only.
Quoting Payne, is, IMO, part of the race to the bottom. It's a very good product at a lower price point but would be included in a quote only to compete with the bottom feeders. Even at that, the Carrier/Bryant lines have many options from basic 13-SEER up to the high teens in SEER, multi-stage, Infinity/Evolution control features, modulating heat pumps and all manner of additional dealer rebates, utility rebates and optional extended warranties.
If YOU want change, YOU have to first change.
If you are waiting for the 'other guy' to change first, just remember, you're the 'other guy's' other guy. To continue to expect real change when you keep acting the same way as always, is folly. Won't happen. Real change will only happen when a majority of the people change the way they vote!