ANYTHING can be figured out as far as the load requirement for your house as long as you take the time. Remember though, ALL of your "variables" must be included when doing a load (such as the north side of the house,insulation, location, height and so forth.) note: windows play a BIG part of the "equation".
To give you an example, you can take the same square footage house, and run a different R value in the house, and your load can have difference as much as 12k BTU's (12,000 BTU's = 1 ton, 400CFM=1 ton).
I actually have three seperate systems in my house (one for each floor). Not exactly the way I would of liked it (zoning can be much more effective), but that is how the house came when I bought it, and at this point, it could cost more than I would like to change it (and at this point, it wouldn't be as cost effective).
Brand I'm putting in? I'll just say that since I "work behind the scenes" (meaning that I don't deal with home owners), my cost is "very competitive" /forums/images/graemlins/smile.gif
You can't go wrong with any line, seriously. It really does come down to who's putting it in. Now on that note, there are "brands" that offer more "bang for the buck".
Honest opinon, there are some "lines" that are over priced.
You do get what you pay for, but... sometimes you end up paying more.
Again, the key is getting someone who knows what thier doing (example, you can have all kinds of problems with a high efficient (sp?) carrier equipment, but you can have a "low end" Janitrol unit run fine for 20 years without a problem. The difference between the two? The way it was put in (installed).
Take note that if you actually do have a "load" done on the house, and you find that you need a different size unit (say the load comes out to 3 ton, and you have a 2 ton system currently in place), chances are that you are going to need to have some ductwork resized (this is the case if the ductwork was sized properly in the first place).
A funny side note, many times I'll have contractors ask me for a "quick" estimate on a "load" for a house. Fact is, if your going to do one, you need all the info posible. Now some of these guys have been in business for a LONG time. They'll say, hey, I have a 2400 sq. ft house, how much cooling do I need? I tell them to stand 20' away from the house, place thier two thumbs together (like your making a "field goal", and walk backwards and count the steps it takes to make the house "fill" in the "field goal" (from your hands together). Take the number of steps, multiply by 3.14, multiply that number by 24,000, and divide by the number of people living in the house. You'd be surprised how long it takes them to realize that I'm joking.
As far as my knoweldge (sp?)? I don't know that much. There are guys in the industry that have forgotten more than I can ever learn.