I have a Mitsubishi Hyperheat, a floor unit and wall unit on the 1st floor and ducted in the second floor. I already had the ducts on the second floor from A/C, which it is nice to have the ducts, providing direct heating in the bathrooms, walk-in closets, and hallway, that I wouldn't have gotten in an all ductless system.

Of course, the one thing to watch out for currently is that you get a good electric rate locked in. If you have the standard National Grid rate (and even some deregulated suppliers), of 48¢, that's more expensive than oil to operate! I have a good rate, 12.69¢ supply, which I'll break even around year 17, as long as it makes it that far!