I am going to be getting a new HVAC system. (See below for specs) Should I get the spaceguard or just go with a normal 1" filter? My 2 main concerns are price and airflow. I am already probably spending more than I should, so I don't know if I should spend the extra to get the spaceguard. I have also read that these type filters can significantly reduce the airflow. Is that a legitimate concern?

Should I get it or not? Thanks.

Trane XR13 Heatpump 3 ton 4TWR3036A1
XT-90 furnace 80k btu TUX1B080A9H3
coil 4TXCB036BC3

ARI# 1231123