After calling 4 HVAC companies. 2 of the estimates said they wouldn't put in a 1 1/2 ton A/C they would use 2 tons. Both were from the same brand of HVAC. One said the cost for the 2 ton is less than the ton and a half and more 2 tons are made. The other said 2 tons is not that much difference. I was concerned about oversizing and humidity. I reminded them about the humidity being close to the lake. The second guy said with the variable speed fan on the furnace it would be perfect. I again said even when the compressor shuts off. Running the fan all the time and being on low would not cause any humidity problems. The house is about 800 sq ft.
I liked the last company that came out, because they had a way to solve my close furnace problem. Put it in the attic and change the ducts because the house never had central air. Just heat ducts are in the attic now, and wrapped with insulation.