PuddinMan,
I live in Myrtle Beach, SC in a 2000 square foot house and I have a
2-ton heat pump with 4 KW strip heat to do the whole thing. Sounds like your contractor oversized the equipment, but it all depends on your insulation and windows. Ask what kind of load calculation he did. Should be Manual J, 7th or 8th edition.Based on your utility bills, I would go with 12 to 13 SEER and 90% efficient furnace. 96% furnace will probably not pay for itself with your climate and utility rate. Same with over 13 SEER. It all depends on your situation.
That being said, I will probably replace my 17 year old heat pump within the next year with a 2 stage model rated at 18.6 SEER and 9.5 HSPF. But I am a dealer and I can afford it and it needs replaced anyway. The cost difference should pay for itself in 3-5 years. Anything over 8 years payback should usually be avoided.
Goodman/Janitrol does not hold up that well here. Generally lasts 5 years less than Lennox/Trane/Carrier/American Standard.
Getting a Variable Speed indoor blower will dehumidify better, improve efficiency, be quieter, and work better with the new high efficiency/ High restriction pleated & electrostatic air filters.
Hope this helps.
Stretch