Exactly - obviously the larger the home and more uneven the occupancy, the more the individual units make more sense. And you don’t have to have one indoor uni

Exactly - obviously the larger the home and more uneven the occupancy, the more the individual units make more sense. And you don’t have to have one indoor unit per outside unit. Systems that can have one outdoor unit with up to four inside units are readily available. What’s really wild is Mitsubishi’s City system - designed for commercial spaces (or really large homes) you can have dozens of internal units. And more impressively, it can move heat around inside the building. If you were having a party in the middle of winter and all the body heat was heating up the room where everyone was you could “AC” that room and then dump the heat elsewhere in the building. The key is the per-room zoning. Minisplits are by far the easiest and most efficient way to micro-zone. Also the elimination of loss from ductwork should not be discounted either; it’s often very significant. Especially if you can eliminate ductwork from unconditioned space!