Sounds like you need to get acquainted with the various technologies a lot better before you go and make some costly mistakes. You live in a not-so-extreme climate zone, so either system type will work for you if it is executed correctly. I'll tell you this: if your main concern is low maintenance and low cost, a central ASHP system will win. Filter change every so often is easy and cheap. It doesn't hurt to go window shopping.
If you were in a climate zone dominated by heating, and the temperature dropped below freezing for extended amounts of time, the ground source unit would be the clear winner. That's pretty much where the air source units struggle; above maybe 45 degF, they do well up into the high 90's.
Last edited by jeff5may; 04-11-17 at 06:59 AM..
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