I have a two stage compressor/variable speed air handler Heat Pump. It services 2400 square feet on three zones. The other 2300 square feet is the upstairs, and is not serviced/finished off yet. The downstairs stays at 50% humidity give or take. In fact, we rarely set the AC colder than 77 because its just too damn cold. I wouldn't have any other system if I had the choice. The unit runs much more frequently at a lower speed than a single stage by design, and that's how your humidity level is controlled. If you can afford the system, I think its worth it.
Before my second story is drywalled, its going to be foam insulated like FIDO...I agree with his assessment as well...good insulation is worth it. In fact, if you are a planning on ever sealing off the attic by way of spray foam insulation, you should seriously consider doing the AC at the same time. If you insulate properly and leave your current AC setup as is, you COULD be OVER air conditioned and it won't work properly or as designed. The two need to be done as a unit. Ever see a 5000 square foot house serviced by a single 5 ton AC unit...that's how they do it.
[This message has been edited by BrazosDog02 (edited 5/21/2012 3:32p).]