Did any/all of them run a Manual J calc in order to properly size the unit to your needs? Without that, all they're doing is guessing - and guessing can cost you money, since when they guesstimate they tend to oversize to play it safe. If none of them ran a Manual J, go out and get some more bids, and when the salespeople show up, tell them you want to watch them perform the Manual J calc.
I wouldn't assume that those walls can't have additional insulation blown in. There are companies that do that routinely. I had my walls topped off and cellulose insulation blown on top of my fiberglass batts in the attic. It made a world of difference.
Single pane windows with storms can be nearly as energy efficient as modern windows *if* they are in good condition (no cracked glass, putty intact and in good shape, wood frame in good shape, weatherstripping in good shape). So if you had to decide where to budget for energy savings, I'd go with adding more insulation.