Thanks again for all of the replies,
Here's the latest. I've been quoted $5700 installed for a Train XR13, with all the Train internals (air handler/coil, new heater, thermostat, etc.). They are also giving me a 10 year warranty on everything and sanitizing my ducts. My furnace/heater (propane) is mostly fine (old though) but not getting a new one of those is only going to save me $200 ($5500 total wo/ heater).
Also, I can add the Train 'Clean Effects' air cleaner for the whole household for an extra $900 ($6600 total installed). Is the Clean Effects add-on useful and effective? My 11yo daughter has allergies and we would like to cut down on the dust if it will help significantly.
Even though I'm getting an XR13, the tech said that jumping up to a XR14 for about another $800 won't give me a full extra SEER point (only about a .25-.5 gain real world wise because of the combo of equipment) and that in his opinion, it's not worth it.
I'm thinking that $5700 isn't that bad after some of the quotes I have been seeing considering it's all Train equipment, a good warranty, sanitized ducts, etc.. It's just coming down to do I spend the extra $900 of the Train Clean Effects.
One more guy is coming this afternoon so I haven't committed yet.
Thanks again for the input.