re: Replacing furnace or whole system

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Several have 20 year exchanger warranties.

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This the norm - HVAC gas heat exchangers have a 20-year warranty, so if you are the original purchaser of the unit and the system was registered with the manufacturer by you or the installer the heat exchanger would be covered by warranty but not the labor.

Was a combustion analysis of the flue gases performed by the tech? If not, I agree with keakar - you should get a 2nd opinion from a another company that will also do combustion analysis. .

Do you know if you have a R-22 or R-410A refrigerant HVAC system? I believe 2010 is the last year R-22 systems were manufactured. Alhough the refrigerant type has nothing to do with the function of the gas furnace, it might be a consideration in whether I would replace the the entire or make a major repair. Average life of a HVAC in the Deep South is considered to be 13 to 15 years.

Starting Jan 1, 2023 minimum SEER 15, not SEER 16, systems must be installed in the South & Southwest.