The first option looks like its the same SEER but an upgraded version above and beyond the builders grade units. The last two options speak for themselves. You're likely going to be paying a lot for cooling but since we don't know your electric rates or much else about your home there's not much more detail we can give.
I'd recommend you find a ACCA contractor that will do a detailed load and duct calculation for you do you can do it right the first time. If the builder is offering an upgrade he's likely using a cookie-cutter calculation. If you plan on being in this home a long time the calculations will be very useful to you for the first install and any subsequent installs after the fact.
If your builder installs something that's not right the first time it's headache to resolve. You have the ability to know exactly what you need tonnage wise for each room and what duct work you'll need to meet those demands.
You can go to the ACCA website for guidance.
https://www.acca.org/consumer