I have a 1270 Sq Ft 1.5 story home in Mankato,MN. I have installed all new windows, siding, insulation, and roof in the last few years, now I am ready to replace the HVAC system. My current system is a Lennox, installed in 1989. I had a Bryant dealer here, but he didn't want to listen to what my needs were, he just wanted to sell me the most expensive system he had. So I called 2 other dealers, a Rheem dealer, and a Tempstar dealer. The Rheem dealer gave me a quote on a Rheem RGFD series furnace, I believe 90% efficiency, along with a Rheem RAPL-JEZ 14 seer central A/C unit. The Tempstar dealer gave me a quote for a tempstar DLX90 furnace, and a PAX13 A/C unit. They both did load calculations on the house, and are within a few hundred dollars of each other in price. Is there any reason to choose a Rheem system over a Tempstar, and vice versa? Also, does anyone live in southern Minnesota that has a heat pump? I'm wondering if a heat pump would make sense here, how long it would take to make back the extra cost in energy savings. Any input will be greatly appreciated.