I could buy anything I wanted at a very good price. I went with 16 SEER two stage with a variable speed heat pump system (surprised you have a heat pump being Florida is pretty much a straight AC market).
In complete honesty, I happen to agree with your guy in his line of thinking...
That added reality is your neighbor is full of crap. Return on investment diminishes greatly from 15 to 16 SEER, and I only wanted to go with a 16 SEER two stage system so I could run some experiments with my whole house dehumidifier tied into the system (old system was 13 SEER single stage variable speed).
Please note, best system to save money IMO is geothermal, and they are rated by EER, not SEER, but they can have a substantially higher install cost.
The sales mantra on high end selling for HVAC is over 16 SEER you aren't selling return on investment, you're selling comfort.
Thus the reason why I want to do some humidity readings with a 2 stage variable speed system now with and without the dehumidifier.