I just got a quote from a trane dealer for a new HP system. I have a 92% AFUE furnace that is old. It has blown up in the past and the AC is just as old. Looking at replacing with HP. Question, I live in KY very moderate temps some cold some hot. Should I think about dual fuel? Or straight HP? I was quoted a builder model 13 seer xb series by the trane dealer. Should I look at the 14xr series instead. Load calc says I need 2.5 tons, should I consider a VSAH and if so why? What is your honest opinions on the xb and what should I be concerned with?