80% Vs 95% plus FURNACE which one to buy

[Glen Hark]

Hi I have to replace my AC and furnace.  I live in Michigan.  The first quote came in at $5,200 to install a 80% efficiency furnace and an AC unit.  For $650 more he will install a 95% plus furnace. 

My renter pays the gas bill.

I think the pros to having a 80% are slightly easier to repair.

The pros for the 95% are: better resale, and more appealing to renters.

Also I'm thinking that furnace can last over 20 years, so is a 80% going to look dumb in 5-10 years?

thanks for you input.