When you say 3rd zone, do you mean a third, separate system? I added a "zone" (via electric dampers and controller) to my existing unit for a lot less (~$1500). Using the existing system also allows you to use the 'fan only' mode - although that may not be as useful if the rest of the house is calling for heat.
Regardless, also check with your HVAC guys to make sure that whatever you buy will operate in cold (
Regardless, also check with your HVAC guys to make sure that whatever you buy will operate in cold (