Stick some cash aside and run with your unit. Read my sad story.... especially catch the end...
So, back in 2001, I added 1800 sq feet to my house (at the time I had 11 kids in the house and it was cheaper than moving and buying a new place - different story). Part of the addition was upgrading my HVAC systems to 4 ton units. I insisted on Trane just because. But, I made it clear, I understood I was going to pay for electricity, but if I was then I wanted to be cool. It's amazing the thermal load from 13 people and more in the house plus the cooking and dishwashers and dryers, etc. Life generates heat. Back then, single stage, simple 80% furnace no big deal. Over the years, I have had multiple techs checking the systems, and all have said they are oversized and need to be replaced. As soon as I mentioned the # of people living in the house, the universal response was "oh".
So in the past 5 years I've been pushing retirement end of life decisions crap. If I go, I don't want my wife left with old systems. I also wanted to pull the trigger on some things I've always wanted - back screen porched, front porch, etc. So the contractor that re-did my bathroom hooked me up with his buddy he uses for HVAC who convinced me to replace the upstairs system (which had failed) with a two stage Goodman system. I'm not happy. If the temp outside goes above 90, the unit cannot hold the upstairs at 77. Toss in an attitude, and he's gone. Why Goodman? Allegedly they are made in the US, but I am not impressed by the two stage approach. Remember, I want to save $$, but I want to be cool. Cool is more important.
Two recommendations: 1) if it's not broke, don't f with it.
2) Establish a relationship with a company and a person who knows you by name. The jury is still out on the Goodman but the HVAC company is toast.
Backup story - I live in Atlanta where the HVAC companies are all being bought up by who the hell knows. Based on a radio ad, I had a guy come out and quote me two Trane units (no longer made in the US) for about 15k a system. But I could lease them. I wonder what his commission is? Jeesh.
Backup story #2 - back in 1966 when my family moved from NY to NC, a new house was built with a Bryant ac unit. The house was demolished 2 years ago, the ac unit was still working fine. Could it be more efficient? Sure.