Furnaces belong in basements and those people use an A coil for A/C. Unfortunately designing duct work that works for both is always a compromise. Down here we don't generally have a furnace and heat is a second thought. I never turned the central heat on here in the last 10 years since my last A/C swap out. The duct work and A/H location should be optimized for efficiency in cooling. As I said before, attic installed A/H units is becoming a thing of the past. They really want them in a centrally located closet in the living space according to the energy code. A new system usually involves all new equipment and new ductwork. Since the ducts run through the attic and the drops are in the ceiling it is usually not that big a deal. The current material is superior to what was being used 20-30 years ago so it is worth doing and they should also "mastic" all the joints. Without doing all of this you are not going to get the best efficiency out of your new system. Electricity is only going to get more expensive. Pay now or pay much more later.