>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.
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.