I am building a new home (Minneapolis, Minnesota) and I am interested in knowing the cost savings of the options provided by my builder.

The basement is unfinished and about 1750 sq feet
The main floor is 1750 sq feet
The first floor is 1550 sq feet.
The house will be a walkout and will have South exposure and there are quite a few windows on the main floor.
We will have the house divided on 2 zones with an automatic control (thermostats). One zone is the basement and main floor and the other zone the first floor.

The Std. forced air furnace is 90%. (York Affinity Series 9.1)
A 2-stage variable speed furnace with an AFUE of 94% is an additional $2,200.00

The std. A/C is 10 SEER (not sure what brand)
A 13 SEER A/C is offered for an additional $2,200.00

Could you tell me if it would be worth it to spend the extra money? Would you recommend only the furnace and not the A/C or vice versa?
Any help you can provide will be great.

We plan in staying on this house for the next 20 years.

Looking forward to your response,