I am in central Louisiana. Louisiana is known for humidity. I am building a modular home. Roof with R38, R19 walls and R11 floor. First should I put more in the floor? Second, in the home, I will have insulated duct work. I am looking at getting a Luxaire 5 ton "Split System" Air Conditioner. It has a 15 SEER rating, heat pump, variable speed air handler and two speed compressor. I have 2,280 square feet in my home. The split system unit is $5,089 installed. I can get the same in a 14 SEER rating for $3,300 installed. The 14 SEER may not have the variable speed air handler or the two speed compressor. Luxaire is currently offering a $1,500 cash rebate or free 10 year warranty on the 15 SEER product. What would you do? Will I recoup the money on the 15 SEER? I am going to take the 10 year warranty instead of the rebate. Warranty covers everyting for 10 years. Thanks. I hope I got my point across.