[masraum]

I definitely think the way to go is to get the full system replaced. It costs ~double, but the new system should be much more efficient and therefore cheaper to run, so while it'll likely take a bit to offset the additional cost, it should eventually. I assume lower bills will be nice, and will make it feel like you accomplished something.

I wish I could get new HVAC (also a heat pump) for those prices. Everyone that I've spoken to around here makes it sound like it's going to be at least 50% more than what you were quoted.