Sadly its time to replace my 40 yr old gas furnace (and A/C) with something modern. I'm considering the following options which are being quoted by 3 different installers. I don't have all the pricing info yet but the furnace models are 1) Rheem 80% efficient, single stage, and single speed blower; 2) Lennox 80% efficient, two stage with variable speed blower; 3) Lennox 96% efficient, two stage, variable speed blower; also, 4) more info coming on a model from Day and Night and 5) American Standard. Anyway, what I think I have learned is that a two stage furnace is the way to go (basically two power settings so that the high power setting is used only on the coldest days). ALso, a variable speed blower is a good thing to have, especially when including A/C. What I'm really wondering if the extra efficiency of a 95+% unit makes sense as compared to a modern 80% efficiency unit. The 80% units will be less expensive to install since they can use the existing chimney flue whereas the high efficiency units vent thru PVC pipe and a sidewall. I'd appreciate hearing from others who recently when thru this process of replacing a worn out furnace. Thank you