Thanks everyone. So much to digest. I'm still not sold on the up front investment. It also appears it's not recommended to zone individual rooms with the 5 series since it's not variable speed system.
Does anyone have a recommendation on a DIY load calc software?
The 5 series offers a duel speed compressor. As long as your duct is sized correctly you should be able to setup so that it runs in low stage when individual zones are calling and bumps to 2nd stage if all are calling. On their webpage they even show a controller under the 5 series literature with 4 zones. 5 Series 5 A11 | WaterFurnace