Members, My name is Jerome, I have been here before and received great feedback from many here. Thank you all. I am days away from breaking ground on my home project, a 4000 sqft home in climate zone 5 in Pennsylvania. I have done my own ground loop installation which was directed in part by the great folks here at the forum. After much deliberation and reading, I decided I wanted to go with the waterfurnace 7 series. I liked the bells and whistles and the efficiency of the variable everything seeemed awesome. I got quotes from 3 local dealers... a lot of variability!!! Then, I spoke with a 4th professional who had an alternative thought process, which led to this post and my seeking guidance. This 4th guy told me that in my climate zone, the efficiency of the variable speed 7 series’s will be less pronounced than in a colder climates... he is steering me to a more affordable 2 stage 5 series... he states that for the several thousand dollar increase in price for the 7 series, I won’t ever see the return in investment as my lower costs of usage will be minimal... again because of where I am located. Of note, I have ruled out a bias on his part. He said he would be glad to sell me a 7 series, just at the higher costs. He knows I am trying my best to be as cost conscious as I can, is it looking out for my best interest... So, is this true? How can I quantify it? Just looking for some unbiased feedback... thanks again to all.