Mr. Snyder appears to have painted himself into a corner over the finer details of the operation of ECM motors and seems to just want to walk away from this conversation instead of admitting he's wrong or mis-informed.
There are several nation-wide HVAC retailers with websites listing prices for furnaces. I was looking at one a few days ago, and they listed various Goodman furnaces with various efficiences (from non-condensing to condensing, etc) and the price for the furnaces ranged from $750 to $1500 if I remember correctly.
Have a look at these retailers / wholesalers:
I have a hunch that just like roofer's who over-charge you for the shingles, you'll pay a 50% premium for the hardware when you buy an entire package (furnace + installation) from a local contractor.
Your $1000 difference in the cost of a furnace with and without 95% /
2-stage / ECM is insane. Most 90+ furnaces seem to cost around $1000 judging by what I see on those sites.See what your contractors say about just installing the furnace that you buy on-line. See if they balk and weazel their way out of doing that.
Your point about running the fan 24/7 is lost on a lot of people.
Your house loses heat through the walls, windows, and ceiling. Doesn't matter how much you insulate - the walls, windows, doors and ceiling are the containment envelope for the heat in your house. You're not going to loose heat through the wires or the plumbing.
And it's not just the basement walls (that's a red herring).
By running your fan 24/7, you're constantly forcing interior air to pass against the walls, ceiling, windows and doors, where the air will do it's best to either pick up heat (in the summer) or dump heat (in the winter) against those surfaces and tranfer heat to (or from) the outside. It's in the winter that this heat transfer is particularly of interested to us.
What you want is to achieve a still-air condition where there is no air motion inside your house. This condition will result in the least amount of heat being drawn off the interior objects (furnature, interior walls, floors, etc) and deposited against your exterior walls, windows, doors, etc. But with a forced-air system, you have no choice but to move air around and cause a breeze.
So while running a furnace 24/7 with the furnace dumping exactly as much heat into the house as the house is losing to the outside is (in theory) the most efficient way to operate, the very act of moving the air around inside your house is contributing to heat loss to the outside world. So it's probably the case that a furnace duty cycle less than 100% is more efficient at heating your house while conserving interior heat at the same time. I'm thinking more like 70% is probably where you want to be, and certainly to NOT run your fan at any time when your furnace is not on.