I did a little research on the Carrier model. Here is what I have come up with:

24ABC630A003 AC (Base model)
59SP5A060E Gas Furnace (Newest Performance model)

The furnace has two-stages and from the literature seems to be a good selection. The AC is a Base model. This is basically a builder's grade unit. I recommend spending a little more money and upgrading to a Comfort or Performance model. If humidity is a problem in the summer then I recommend getting a two-stage AC.

24ANB736A003 AC 17 (Infinity AC)
59MN7A060VI7-14 Gas Furnace (Newest Infinity furnace)

This is Carrier's best equipment. The AC has two-stages. The furnace has three-stages. This is a very nice set up. The price seems high. Is the Infinity controller included in this option?

You need to look at your costs for electricity and gas in order to determine whether it makes sense to upgrade to a heat pump. A heat pump and a 95%+ AFUE furnace is usually overkill. Post the costs so can get advice from the heat pump experts.

I like the better quote with the heatpump. If they would upgrade the outdoor model for a few hundred bucks I would consider that too.

The heatpump would provide comfy and efficient heat for the mild cooler weather 35 and above and the efficient gas furnace for when it is colder. In case gas gets expensive in the future the heatpump can protect some. Currently gas is cheap and electricity is trending upwards.

Even with 12 cent KWH electricity today's high efficient heatpumps are cost effective to run in the milder temperatures.