To make the installs cheap, these systems use flare fittings that almost all seem to leak. Couple that with the fact the 412a systems run at high pressure and you get a lot of leaking refrigerant.
No HVAC techs I’ve met like the 412a systems and most seem to be hoping for more sanity from r32, though that will have its own set of problems (flammability)
Also, if you are worried about the refrigerant leaking, you can sacrifice a little bit of efficiency and buy a unit using CO2 as a refrigerant with a GWP of you know: 1.
I think the biggest problem here for leakage are random construction dudes cutting the pipes when they demolish or remodel homes. If only they could gather the gas in the outdoor unit before, all of it would be saved.
There is no excess indoor heat in winter in 99.9%+ non-passivhaus homes.
(They would however de-humudify the space they are in, but that's another thing...)
I'd argue that every house that has any sort of ventilation, even naturally aspirated ones, have excess heat in that any amount of air leaving the house "unreclaimed" while there is any heating need contains wasted energy.
Heatpumps using that energy are very prevalent in the Nordics and Scandinavia, even with a majority of the time being heating season here.
Refrigerant leaks are still an issue though, but moving to hydrocarbons and CO2 will mitigate that. Even R32 is a step up in that regard.