need opinion on boiler replacement please help

I live in all older house with an old oil boiler and I mean old. My oil company can no longer service it so I'm changing it to gas. I mainly what with a pellet stove . I have the old school cast radiators that I do not want to replace. And on top of it all my old boiler is covered with abspestos that needs to be removed . My house us 1200 sf. I got 2 different quotes and opinions. 1 it's going to cost 3k to remove old boiler and abspestos on both options .
Option 1 - this contractor feels going with a high efficiency 95%gas boiler is over kill for my needs and wants to install a 85% efficiency slant find model #VHS90XEP total price $5700.00

Option 2 this guy wants to install a high efficiency 95% Wal hung gas boiler brand is HTP 80 000 BTU'S total price is $8700.00

I only plan on staying here no more than another 10 years. Is the added efficiency boiler really worth an extra 3k????? + the extra interest I'm going to need to pay ? I'm thinking option 1 is best for me but this is a big investment for me and don't want to make a mistake here so need advise

bholler said:

Does your chimney have a ss liner in it already? If not it will need one soon after switching to a gas furnace they put allot of moisture into the chimney and that eats up the old clay. So you need to factor that into the price of the lower efficency one. I assume that the 95% one would be direct vented with pcv so no need for a liner in the chimney.

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The price includes a liner but thought he said aluminum liner was all that was needed also I read that this boiler can also be direct vented

Thank you i will contact him tomorow morning to find out for sure what type of venting he plans on using . This is in the venting description and my wife believes this is what he was planning on doing instead of using a liner

(Save construction costs and allow more living space with a Victory VHS sealed combustion boiler. A chimney is not required, so it can be installed in in a closet size space and vented directly through a wall with 3" stainless steel piping. It’s ideal for homes, apartments, condos and any application where a chimney may not be practical or where an old chimney has deteriorated.

Nope that is for the 85% one

Www.slantfin.ca/product-victory-vhs.html

Contacted him today and his quote dose include stainless direct venting without using the chimney