Evaluate the central option
Ask for heating and cooling load calculations, the proposed matched equipment, and required airflow. Have the provider assess whether the blower, supply paths, and return paths can meet that plan, including rooms that already feel uncomfortable.
Request any needed corrections separately in the quote, with the qualified provider and coordination owner identified. A central proposal is not complete if it assumes unpriced duct or electrical work will somehow happen later.
If the existing furnace may stay, ask for the supported equipment match, controls, and backup strategy. If it will be removed, ask what takes over its role.
Evaluate the ductless option room by room
Ask the designer to mark indoor-unit locations and served areas on the floor plan. Include bedroom doors, halls, stairs, and spaces away from a unit. Ask how each room's heating and cooling needs are met and how the system will operate when only part of the home needs conditioning.
Do not assume one indoor head serves every space that shares an open doorway. Request the designer's room-coverage explanation and the exact matched system's operating limits.
Consider where you want visible indoor units, service access, refrigerant routes, drainage, and controls. Those are daily-use and installation choices to compare alongside price.
Use the same comfort brief for both
State the same indoor goals, priority rooms, backup expectations, and home-improvement assumptions. Compare the complete installed scope and care needs. Ask how each design's cold-weather output and mild-weather operation fit those goals.
We would lean toward central equipment when the assessed distribution is useful and the full proposal meets your needs. We would consider ductless or a combined approach when room needs or distribution limits justify it. The evidence could support either answer.
Your next step is a distribution assessment and two layout-based proposals if both remain candidates. Choose the plan that explains how the home will be comfortable, with every required part of the project assigned.