As a background, I’m in MN and run the central air conditioner about a total of max two months out of the year, sometimes significantly less. 100 year old house, 1600 sq ft. This question is about air conditioning only as the heating system is not involved. My 20 year old Trane TRX 12 died this summer. It was perfectly adequate in cooling the house. After several quotes, it’s come down to two equally reputable companies. One recommended a 13 seer single stage Carrier. The other recommended a variable speed 15 seer Bryant. The difference in price is $3000. That’s a fair chunk of change. I do intend to be in this house for the long haul, but given my nominal AC usage, would the 15 seer be worth it?