Ducting in Conditioned space vs. insulated ducting..

Building a new home in a medium/moderate climate and wondering if the extra cost of enveloping ducting in a furred down space is worth the extra cost over insulated ducting in my attic? Any help/thoughts on this is appreciated. ALSO.. What is the most effecient type of HVAC unit for good heating and cooling? PAUL
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Yeah, why post it three times?
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