Yeah, the prices of new central air units do seem a bit excessive. My home is running on a ~30 year old Trane HVAC system. I was considering an upgrade rather than doing a repair a few years ago but balked at the price and the claims of improved efficiency. The sales tech was estimating yearly energy $ savings than seemed about as much as my total yearly spend on A/C and heat which seemed implausible (though it was hard factor out other household electric and nat-gas usage to get a solid number for comparison). Then many of the online reports stated that the newer systems (high efficiency is the reason???) only last 12-15 years, maybe 20 before they need replacing. So I thought why replace and get a system that is not durable, that it will be worth limping along with the old reliable furnace for another few years.I changed service companies to one who was happy to repair my old unit.Kinda seems I am pretty dumb. I really had no idea ductless was an option. I’ve seen these ductless AC’s before but never gave them a second thought. So just to put some cost in to perspective - last year, right in the heat of the Summer, our central AC went out. For a replacement we went with a 3 ton Carrier Heat Pump (heat/AC). Duct work was already in place. Cost us 10g and change. Cost of the unit, labor/installation, more attic insulation, new thermostat, and some type of super warranty. I say we still got hosed pretty good. But whatever.
If you can install some wall units in the rooms you use at even half the cost it might be worth it.
BUT...I think that central heat/AC will increase your home value.
I hope your unit will give great service for a long time. Having the A/C go out on a hot & humid day is horrible.