I would chose an 80% eff. WITH variable speed over a 95% with a standard motor. The variable speed furnace has lots of advantages, 1 being it makes the a/c work about 15% better.
As iron sharpens iron so one man sharpens another Proverbs 27:17 NIV84
Rheem, Allied (guessing Lennox too), ICP, (guessing Carrier too), UPG (York brands) all have 40-45K 95% 2 stage variable speed.