I remember when I got a new A/C unit for my rental house, the owner of the business said that it was a tradeoff between efficiency and maximum cooling. It was between a 2.5 ton and 3 ton unit for my house, and the smaller one was recommended and installed. He also said he'd make more money selling me a larger unit with a higher SEER rating, but he didn't think it would be worth it for the climate. The area gets somewhat warm in the summer, but low 80s are considered hot, and 90s is considered freak weather.
There's very little residential A/C in my area. Also not much when I visited the Seattle area last month, but they had record breaking temperatures. That, and my BIL's new house that was built for fairly cold winters with lots of insulation.