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The variable speed will definitely be quieter and more efficient. As for SEER ratings you can figure you will save about 10% on utility bill per SEER rating. So if you had a 200 dollar a month electric bill for ac with the 13SEER, your bill would drop to about 140 with the 16 SEER and to about 100 a month with the 18SEER.
My preference would efinitely be the Trane and as you can see, will pay the difference in a relatively short time
I think Daikin is offering complete 12 year parts where Trane offers 12 on compressor and 10 on the other parts, my preference is still the Trane.