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I'd absolutely go 90% eff. or better. The only thing you really have to be careful of on the 95% and up is generally they have DC drive blowers and you can get into more electrical trouble. I have a 90% that is about 19 years old. The only problem I had was a plugged secondary heat exchanger which was really more of a Carrier design flaw than anything else. The 80% furnaces have a circuit board, inducer motor to clear gasses, electronic igniter, flame roll out switch, limit switch and electronic gas valve which makes them electronically the same as a 90% efficient furnace.
I have installed Carrier or the off brand Payne since 1990 and really like their products. My 20 year old no name Carrier made heat pump is still kicking.
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