A central AC condenser bolts onto your existing gas furnace and adds cooling. Install takes 1 to 2 days. The math wins for newer gas furnaces (under 10 years old) where replacing the furnace doesn't make sense yet.
For most Seattle homes, a heat pump beats straight AC because a single unit replaces your aging furnace AND adds cooling, the PSE rebate ($1,200) plus federal IRA credit ($2,000) close the cost gap, and there's no second outdoor unit to maintain.
We model both options on every quote. If your furnace is under 10 years old, straight AC usually pencils better. If your furnace is 10+ years old, the heat pump usually wins.