cajewel

first of all you need to recognize that you live in probably the most expensive state in the continental US, the most heavily taxed and teetering on bankruptcy. I would expect HVAC to be significantly higher.

I assume when you refer to a dual zone system, you are talking about zoning controls for each floor.

What size AC and furnace do you have now?

What is more important-cooling or heating?

I suggest you get a competitive quote on another brand/system for comparison purposes.

I would want a new and correctly sized lineset plus a whole house filter cabinet.

I think I would want another opinion/diagnosis on your AC condenser.

Is that a Lennox coil or a third party coil? I would be opposed to third party coils.

IMO

Thanks, tigerdunes. Don't get me started on California.....
Yes, dual zone meaning controls for each floor.
Our current system is 4 ton AC and 5 ton furnace.
Heating and cooling are BOTH important. Temp can drop to 20's during winter and climb to 112 during summer.
I'm looking at my paperwork and not seeing lineset replacement or anything about a whole house filter cabinet.
The coil looks to be Lennox, as well.

Cajewel

Just to be clear, you currently have a 4 ton AC condenser? And dealer is proposing a 5 ton AC condenser?

A load calc for both heating and cooling seems indicated.

I would want a new line set and whole house air filter cabinet. And of course a correct new digital thermostat for the new system.

Any specific problems heating and/or cooling your home?

Ductwork system should be thoroughly inspected.

IMO