I looked into the precharged DIY option and the lengths just didn’t work out for what I needed in my space. I ended up paying a licensed installer C$12k to put in a three head system (two conventional, one ducted), and then a separate guy $5k to do the ducting for the bedroom level.

It would have been nice to do it as one, but the HVAC firm didn’t want to get their hands dirty with my wacky ducting plan, and the duct guy wasn’t licensed to charge the refrigerant lines.