[edit] i say that because my hardware is 2.5k euros, so ~3k¯dollars, so we probably have the same high end stuff, and i guarantee you it's not hard to install, and it can be quite fast if you have help from your SO.
If you’re absolutely sure you know what you’re doing I don’t see an issue from breaking regulations in a country that doesn’t have even the most basic of government functions (i mean this generally, not just in the sense of the actual government shutdown that’s happening right now). The real issue is the ‘are you sure you know what you’re doing?’ part.
Having just installed a mini-split in my office shed with a pre/charged unit. I told him it was easy and helped him. We ended up needing to buy an extra long line set to make the distance work, which needed more refrigerant.
I called 15 different places and finally found one that could come out and charge the line for under $350. Which was hard to stomach with the whole unit costing only $750 from Amazon.
Around here anyway, I was getting quotes of 20k for the install & equipment of a central air handler and the outdoor unit.
I'd be dead before the thing paid for itself in electricity cost savings. $20,000 ÷ (~90yrslife - 40yrsold) = $400 / year of neccesary savings to break-even as my casket is lowered into the ground.
Of course you have exactly one chance with your install this way until you have to call someone.
I got HVAC drop-in replacement quotes ranging from $7k to $14k for what upon some quick research was about $3k in hardware.