SEER is useful for comparing one model to another much in the same way that a car's calculate MPG is useful. It's not an accurate prediction of exactly how efficient the system is, but it can tell you which one is more efficient. Also, since SEER is based on a "cooling season", what region you live in will determine how long or short your cooling season is.
As for the price I think my review was fair in stating what value we got for what I deemed to be a slightly higher price than others might charge.  I did not take any stars off for the price, and still am not, but I am taking another star off because of Alberto's comments, which are deceptive and not the same thing he told me in person.  Alberto, I suggest you stick with the high road in the future.
A year and a half ago (fall of 2015) we replaced the furnace and air conditioner. From what we could determine this was the third forced air furnace and second air conditioner unit for the house. As part of the installation, we changed out the two 6″ ducts feeding the second floor with 8″ ducts. The idea was to get more cold air to the second floor in the summer. It worked and for the first time the second floor and first floor temperatures were the same when the air conditioner was running. Of course, to make the system work I close down upstairs duct damper doors in the winter and open them up in the summer.
Pay particular attention to cooling coils, which are designed to remove water from the air and can be a major source of moisture contamination of the system that can lead to mold growth. Make sure the condensate pan drains properly. The presence of substantial standing water and/or debris indicates a problem requiring immediate attention. Check any insulation near cooling coils for wet spots.
A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
If you want to get some of the dust and debris out of your ventilation system, you can mix household cleaners like bleach with water, dip a cloth in the mix and then the wipe out the system. This will remove a layer of the spores, which could increase the quality of air a bit and help with the flow of air throughout the house until a pro can come out.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.