A good friend of mine just asked a similar question. She had a quote for a new small system using existing ductwork. Everything was super easy access, not even in an attic. $10,500. I responded that I couldn't help because HVAC guys are gold-plated and they know it. There is a legitimate labor shortage in that industry and they have all seemingly decided to take maximum advantage of it.
You will likely struggle to find anyone willing to install a unit that they don't provide (and mark up). I understand this sentiment and probably wouldn't do it either. My solution was to acquire the tools and learn to do it myself, like I have done with everything else. I saved at least a couple $k on my first one.
ride bikes, climb, ski, travel, cook, work to fund former, repeat.
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