Go with a dual fuel system. Heat pump and furnace combo. The furnace only kicks on when the temperature gets below 40 degrees. Since your duct work is already in place you should be able to put a furnace and heat pump in place for about $10,000. New codes went into effect on Jan 1. Make sure the installer is furnishing a 14 seer system minimum. Anything less and he is dumping onhand stock on you. Which would be fine if you are not pulling a permit, and he is giving you a good deal.
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