Eledctric heat is more expensive to operate in many parts of the country....electric rates HIGH. You will be using the backup heat much of the year in your very cold climate.
13 SEER on air conditioning is the minimum available today. Seers of 14, 16, even ~20 are available, but the price goes up quite noticeably with the SEER, and you have to have someone figure out what your energy savings in $$$ are to see if the payback is reasonable. Your local gas and electric companies can usually give you some numbers to work with.
Remember, SEER refers to the air conditioning. Electric heat is very high efficiency, almost all the energy goes into heat. Gas furnaces run from 80% efficient to 95%. Price goes up.