$13k for a new unit is way too much. Mine was installed 3 years ago with Bryant heat pump, two stage heating and cooling, programmable thermostat, UV Lamp (a good idea if prone to mold), and two additional cold air returns, all for $7100.
It came with a free 2 year service contract, so I let them do that to see how it went. I did not like the fact that each time they checked the Freon pressures, they would waste a lot of it to the atmosphere. The only other thing was to clean the drain line and check the current draw on the compressor. Needless to say, I did not continue the plan after the free period. I asked them if the refrigerant was low, would it be included in the warranty/maintenance. When they answered NO, that was that, done. I do all that myself now, maybe twice a year. I don't check the pressures.
The following year, the starting capacitor went out, so I did that myself. Cost about $20.00 complete since I had to get some connectors and a bracket. I split the CAP to two separate units.
The thermostat controls the dehumidification, but its lowest set point is 50%, which is where i keep it. The house usually runs 55% humidity and it's comfortable. The programmable thermostat is nice, since I cool the house down in 4 stages overnight. Daytime is 77, 7PM is 75, midnight it goes to 74, and about 4 AM it goes to 73. With the dehumidifier function, on rainy nightts it may go a degree below those set points, but it works out very well for sleeping!