I agree with the concept that a furnace will be more efficient if the temperature differential across the heat exchanger is less. How much it changes, ie if you screw around with an old 75% efficient furnace and turn the burners down, will it raise the efficiency from 75 to 76, or 75 to 80, however is an important part. You are assuming it's substantial. I'm not so sure.
But the problem here aside from the obvious practical problems of doing it, is that you can't undo it on the fly. If you can turn the burners down so that it fires at 70% for greater efficiency, then one of two things must exist:
1 - The furnace will now be unable to heat the house to normal temp on the coldest days
2 - The furnace was oversized all those years and you now have downsized it permanently.
Those modern two stage or variable burner furnaces can change the firing % on the fly. Using it at 100% when the intelligent thermostat knows it's needed, or firing it at say 70%, when it's a mild day.
Another thing strikes me here. You keep pointing out how you can buy cheap HVAC online and you apparently believe you could do installs yourself or pay someone on the cheap to do part of it for you. With the current incentives, ie Fed 30% credit, nat gas utility credit, electric credit, state credit, I can get $3,000 off the cost of a new system. That means doing it your way, you could have a whole new high efficiency 95% furnace and AC system for $1000. Don't you think that's a good value proposition, with a good payback period?
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He doesn't care about payback on a new system, because he isn't going to buy one from a competent, licensed, insured, professionally trained, HVAC contractor. He just wants to get the cheapest POS, and have it "checked" by a hack that will work for beer money. Then he will have something to else to bitch about when the system routinely fails in the first year, and has no warranty. He doesn't care about the energy savings or the comfort of a correctly sized, and properly installed system.