thanks very much, lots to think on, like the sound of air to air the way you’ve explained it. I’ll definitely give that some more thought.
The up sides of air 2 air
Efficiency can be close to 5 SCOP so cost per kWh is relatively cheap even if we are cynical about ever achieving the claimed efficiency.
Cools as well as heats, though as we're likely to use that it eats into the energy saving.
Each unit is relatively cheap
Easy control over individual units
Total install cost for 5 unit Daikin multi split system is coming in at £5500
The downsides
Multi split systems typically do up to 5 units Mitsubishi do 6, but your likely leaving e.g. the box room and bathroom unheated and relying on door open or passive heat. Otherwise bigger systems in a larger house are going to be close to Air to water cost, and then that heats the hot water too.
Many people don't like the indoor units appearance, though for me they are no uglier than radiators
House buyers maybe put off by the unfamiliar not sure it'll add value.
You've still got to heat the hot water somehow
Also : We're still using a refrigerant in R32 that has considerable global warming potential. Less of a concern than R410 or older HFCs but I wish the industry would get on with moving to R290 which is far better.
Still Fgas regulations mean refrigerants are well managed in the UK and EU and rarely allowed to escape, so probably I shouldn't worry that much about that.