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There isn't a correlation between efficiency and noise necessarily. It's just that some of the more efficient models have a more quiet fan motor, or a sound blanket, or perhaps a scroll compressor. The units aren't that loud, however eight feet is kinda close, especially if the unit is going to be near someones living room or bed room.
In order to get the ultra high efficiency, first and foremost, the duct work has to be sized right, sealed...etc. Then, the type of appliance comes into play. Maybe someone can explain the differences in fewer words than me. Ask your hvac guy about the possibility of the higher seer equipment, it might be right for you.
It would not be right to tell you price differences since we all price our gear differently.
You know, it's not too late to go with a heat pump. There are time in the year that heat pumps are a more efficient way to heat the home than radiant floor heat (opinion), and now would be the time to do it.
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