Both the A/C units listed are on the lower end of the Major brand list. Payne is the lower end of the Carrier/Bryant product line. Almost all of the Equipment manufacturers are offering a 5 year warranty and some even offer a 10 year, but you can expect to pay alot more. The average life of an A/C is about 15 years, after that you should update the equipment. The units mentioned are o.k. and should give you years of reliability. Top of the line products like Carrier, Lennox, and Trane are top's in their field for a reason......Reliability! If anything else, insist on an Expansion Valve on the indoor coil. (TXV) This valve will give you a constant Evaperator preformance in varying outdoor temps. Standard fixed metering devices change according to outdoor temps thus changing your Evaperators performance. It works good, but for another 60 dollars, TXV is the way to go...

Hope this helped you.

Stick with the major brands, if there ever is a problem, bryant has sent me a notice of the problem, the part and an hours labor to take care of you. It is worth the extra $.