I live in Orlando I rarely use the heat should I go with a straight ac unit with out a heat pump and by not having a heat pump could you gain any seer. By having a heat pump that you rarely need is it more connection's that might go wrong

It depends on what your primary heat source is and if you plan on spending many years in your house. If you have gas if would definitely would be cheaper over the years to have a heat pump with the way gas prices are. Whatever you do be sure to go with a 410A refrigerant system as the R-22 will be phased out in 2010.