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Default which A/C SEER is more reliable?

I'm in the market for a new HVAC system. I've noticed that the higher
SEER units jump dramatically in price going from 10 SEER to 12 to 14.
10-12 is an 85% increase. 12-14 is about %50 increase. I've also been
told that the 12+ SEERs have "variable" (valve can open/close to change
the pressure gradient) expansion valves. Lastly, these "variable"
expansion valves are prone to failure and frequent servicing.
Is this true