[ta2162]

I thought ducted central heat pump with zones was the most efficient. Also, it filters the air centrally (and better, higher MERV possibilities), allows you to more easily manage humidity, and allows you to mix and bring in outside air.

Not cheap though.

[BostonEnginerd]

I understand that the ducted systems are less efficient, but the ability to better control filtration, outdoor mixing and humidity makes up for that.

[ta2162]

>I understand that the ducted systems are less efficient

But they're not less efficient, ducted systems are more efficient. Mini-splits multiply your refrigerant lines, compressors, heat exchanger, condensing coils, etc., so you're multiplying your inefficiencies. A single variable rate, zoned, ducted heat pump is the most efficient, but they definitely cost more.