Todd S: Yes, I meant what I said and no, it is not necessarily ignorant if you think about it.
The "sweet spot" on his units is when they operate at "low speed" so if the units run on low all the time he is getting the highest energy efficiency possible. Seems counterintuitive but it works. Also, I am guessing the contractor may have been conservative on the sizing but he was told that the goal was never to use auxillary heat. The downside to this apporach is he probably paid a higher first cost.
Part of his success is he has a 7 ton system and 7 tons of loop. But his requirement is not really 7 tons. Thus he has an oversized loop making his units even more efficient.
HVAC companies over size their coils to increase efficiency so he just did it with his loop.
I think he could have gone with slightly smaller units but, I think the units he bought do not come in 1/2 ton units.