I have many of the issues you've hit upon - I currently have an older heating and no cooling, and I wanted to upgrade to a newer system. I signed a contract with a vendor that had previously worked in our HOA, but they reneged and cancelled our contract, so now we've been left in the lurch with the existing system we had without a good way to proceed. Would love to have a new system that plays well with my smart home, is efficient, and cost effective (both in terms of installation and ongoing operational cost).