I would get a quote from Munn's and Chuck Farrell, but I would probably buy a Carrier unit from Munn's as long as their price was reasonable. Chuck Farrell doesn't install Carrier units, which is the most prevalent system in The Villages. I think Munn's is more capable of responding to repairs and can always get parts. Also, I would buy a single stage compressor, and stay away from 2-stage or variable stage compressors. They are not worth the extra cost and you may have trouble getting repair parts.
Note, that starting on January 1, 2023, contractors must install HVAC units that have a minimum efficiency of 14 SEER in Florida. So, if you don't mind buying a 13 SEER unit, you should be able to get a good discount, because after December 31, the contractors will be stuck with units that they cannot install.
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