Looks like I'll most likely go with the following basic configuration:
80% AFUE standard 90000 btu gas furnace and a 10 SEER 3ton outdoor unit

the 90%AFUE and 13SEER is still in the running

I was wondering if the board had any opinions on some of the lower end brands and if any of them are a complete No/No

2 of the brands being recommended to me in the low are
Payne and Ducane. Which is better?
Any thoughts on those and other "basic" brands.

thanks in advance