Just been catching up on reading this post. Joe that really sucks. I have an all electric heat/air conditioning unit and it has failed once several years ago for the same reason Fred's did. A big capacitor blew. I have had a contract with a company here for years that they come once in the Fall and once in the Spring and do a complete check on everything. Plus having the contract moves me ahead of anyone who doesn't have on in case of an emergency. All of my duct work goes through the attic and the air mover is in it's own small room in the house. I have had good luck with this one as I had it installed in 1976 and have replaced the Heat Pump once about 15 years ago.
Ron