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Did I upsize my AC too much? (2 stage vs 1 stage)

Home specs: new construction, 3200sf, 4ton furnace. returns in all rooms. Dampers on all runs. One side feed on furnace.

New furnace install question:

I had a HVAC cooling system installed. I purchased a Trane XL15i (4 ton, R-410A) system and CleanEffects air cleaner. When they arrived, they said it was out of stock so Trane sent the XL16i as a FREE upgrade(1200 or so more). The main difference between the two is the 15i is a single stage, while the 16i is a two-stage. I had quotes from other installers and one said the 16i required a variable speed fan furnace.

Therein lies the problem. I don't have a variable speed furnace, it is a builder spec Lennox 90% efficient single speed furnace. I am not going to replace a brand new furnace to get a variable speed furnace.

I can't find anything online stating this. Is this true? I have the HVAC guy coming out for a follow up sometime, but just curious is anyone knows?

Thanks in advance,

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