Well, THANK GOD for financing! I am getting both the coil (inside in the attic) and the outside (condensor/compressor) unit replaced. I went with the SEER 14 rating.
I was luck to have happend to have found, a local company that has a GREAT repuation, and is fanatical about their service. I asked neighbors, and did some research, and personally found other customers that are happy.
Weeks HVAC Company, in the Greater Southern Houston area
And you are right about everyone having "the best". Now what I did ask them, was what other units they install, and they said, that they can and DO install whatever the customer wants, but they feel that the best value is the Amana, so that it what I am getting.
The tech that came to my house, said that he grew up, just outside of Tyler TX, where Trane is located, and he said, that he just is not real excited about a Trane. He said they are good, but very expensive, and the Amana has actually a better warantee, 10 years on Parts, Lifetime on the Compressor, and 10 years on the Coil.
I feel comfortable with this company, they are not fly by night, and there are several first hand recommendations, so I will be cool again!