Quote from @Bruce Woodruff:
Also there is an option that maybe @Alan F. could weigh in on...using dampers to create multiple zones in a standard house (with a typical FAU system)...
Its gotta be a dual zone system, then the FAU actually operates as 2 separate HVAC systems. 2 thermostats etc. The challenge with a single zone is dampening raises the static pressure across the fan coil. It literally affects the design of the system and shortens the life of various components.
Interestingly enough I'm getting dual zone units like Bryant/Goodman for almost the same price and disabling the 2nd zone for future needs, plus the fan coil/fan & capacitor are better quality. To note they have bearings instead of bushings which is better.
The small non sexy things that affect the envelope are easy DIY type items, but it's slow going.
A hole behind the thermostat is a big deal because its sensing unconditioned wall space as well as the envelope.
Every single gang electrical box passes around 1 cubic foot per minute of air, 6 in recessed light even more. Its death by papercuts lol.
I've got 2 houses that maintain 25 degree splits without any conditioning, BUT they rely on night temps to affect heat saturation. 100 degree nights in AZ would still need more conditioning.
To note; mini splits certainly do have applications but there's distinctions. I think the DIY splits folks are mentioning are Mr. Cool's, they come with precharged line sets that can be goofed up if not careful. They also have pre-set lengths, so sometimes the line sets are too long, now a coil of extra length has to be "stashed" somewhere.
Samsungs, Fujitsu's etc still require purge and charge. Personally I think their quality is better.
For the lurkers keep in mind the higher the voltage, the lower the amps. Current i.e. amps is what people pay for. Also higher voltage circuits allow for lower gauge wire. Ohm's law.
Don't run mini's without a dedicated circuit! I'd also make sure the circuit is rated at 80% RMS.
All of the above is also variable when considering that landlords have to weigh out, cost to purchase/install and operating costs (may not care) equity, permits (if done) and occupant comfort plus class of property.
Thank you @Alan F. There is a lot of valuable info here, thank you for that. The input from all of those that have graciously provided valuable input and insight above taken together with the considerations of your last sentence provide the framework to make necessary decisions.