We are about to build a new 2 story 5400sq ft house in Chicago. We have 3400 sq.ft on the first floor, where we have our master bedroom. After the kids leave (7 years?) we plan to turn off the upstairs. We plan to live there forever.

Our builder uses American Standard for his HVAC. What are thoughts on American Standard vs. other brands?

We are debating between 3 furnaces: 2 on the first floor and 1 to cover the second. Otherwise, going with a zoned system with ?? furnaces. Help!!!

The builder recommends the 3 furnaces at 92%, and 3 12 seer AC units configured as mentioned.

Thanks for any help!!!!