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To answer the best way possible, may I have the region you live in? This has a lot to do with pay back and savings on the higher seer
Thank you. This is an opinion based on service records...
Trane makes an excellent product and is one of my favorites, but the variable speed units are very finicky, especially with power issues, brownouts, spikes etc.
The 16 seer is more efficient but is also more costly to service. My opinion is what I call "safe"...14 seer straightforward unit with less of the bells and whistles. In this particular choice I would go 14 seer
This may take some research on your end based on region. There is a franchise called B-Dry, but there are many other options.
They can seal, moisture barrier etc.
Have you considered running a dehumidifier in the crawl space and laying a moisture barrier down?