I was told when I replaced my entire A/C system 7-8 years ago that the newer A/C evaporator coils were a much more efficient match with the newer refrigerant gases than using ann older technology evaporator coil with a new condensing unit. However, the newer coils wouldn't fit in my old (1980s) gas furnace. I replaced the entire system with a 92% efficient gas furnace and an entirely new A/C system. On average, my gas bills during the winter heating season have been about $75/mo cheaper and my electrical bills during the A/C season have been about $100/mo cheaper than before the changeover, despite higher utility rates since then. The savings paid for the new equipment in about 6 years and meanwhile, I've got a more comfortable house and am using a smaller carbon footprint.
If you're thinking of keeping your house for more than about 5 years, the cost is more an investment than an expense. Besides, you'll probably get at least some of the cost back as a higher sales price when and if you sell.