I'm replacing my natural gas furnace with a modern one and am considering a 92% AFUE single stage furnace, a ~95% AFUE 2 stage furnace, or a 2 stage furnace w/ a variable speed fan. There is a $400 utility rebate for the variable fan furnace, and a $150 utility rebate for the others. Prices are about $3700 for the 92% single stage, $4200 for the double stage, or $4400 for the variable speed furnace. For simplicity, these estimates are for one brand (American Standard) but other brands are similarily priced. All work will be one by a reputable established HVAC firm.
My house is about 1800 sq ft. Is it worth it to get the two stage and/or variable speed model (w/ an ECM motor)? Are they any less reliable? I assume they will have higher repair costs if they are. I understand that GE makes the ECM fan motors for most furnace companies. I'm also considering replacing the old inside (evaporator) A.C. coil for $400 now while the ductwork is being worked on, with the expectation of replacing the outside unit with a matched Am. Standard model in a few years.
Am. Standards also has a free humidifier in my area offered with the variable speed unit, although I'm not sure I need that-due to condensation on the cold days when you want the humididy. Thanks for any advice!