Dave from what I have seen in your post you are just like most of us here. Not in the poor house but not rich either. Also you are looking at the furnace that you will be using when you retire or are just older. That 4K spread out over just ten years is just $400 per year.
So the lack of inconveniences and the fact the higher guy does the whole thing start to finish would make his system a better buy in my book.
With the other guy what happens a few years down the road when you have an issue with the furnace. The manufacturer says it is an installation problem and the installer says it is the furnace??? Guess who is no longer in the business?? Then you are stuck in the middle.
I always try to buy the best quality I can afford. This is on long term things. A good furnace most of the time will mean fewer head aches in the long run.
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