A good heat pump with zone controls (where and if it advantages you) is both expensive and cheaper than a simpler inexpensive unit.
In the long run, the higher efficiency of the higher end zone controlled heat pump systems save you month after month. I spent the $15k on a highish end Carrier during a remodel 4 years ago. It costs a LOT less to operate in the winter than the propane unit my neighbor installed in his brand new similar square footage house next door. Enough less to pay for the difference in install costs after not very many years.
I am not sure how much benefit in cooling would be had - we don’t need AC but maybe 5 - 7 days a year. Heating is where the cost is in my location.
I did the math and figured to wear it out. SO it was the right answer for me. I intend to stay in this house for a long while. Higher efficiency pays me back in lower monthlies.
What brand of heat pump did you buy?