Based on CPI, the ambient rate of inflation would have put the median at $93,151 in 2020, so  incomes had exceeded CPI inflation at that point in time by a total of about 30%.   

There are these low ambient units that are supposed to function better at 0F.

Task lighting, ambient lighting, and accent lighting are all important to create a functional and visually appealing kitchen.

It uses ambient temperature to sort of "reverse" the cooling process to produce heat. 

But, no penalty.Pick up a couple of these and see what the actual temps are during the cooling cycles:https://www.amazon.com/Elitech-RC-5-Temperature-Reusable-Rec...Keep in mind, NO AC can cool more than about 20 degrees below ambient.

They pay their own electric, and you're right, after reading a bit about mini splits, even low ambient systems look like they might struggle on the coldest nights.

For speed & convenience I only use the premixed mastic & grout as depending on ambient temperature the mixed powder stuff has been a big problem.

The tank heater wouldn't be actually connected and heating the water just letting it warm up in the warmer indoor ambient temperature.

Here in the east, with heat waves and humidity, it is common for most air conditioners to cool down between 10-20 degrees below the ambient air outside.

A couple of questions :Did your inspector actually test the units or list the phrase ambient temperature was too high to test ?