My only concern with "mini-splits" is whether or not they'll stand up for the long run. I'm talking 15-18 years. It seems that most are built similiar to window AC units and might last 8 years or so. But since they have not been in market too long I'm not talking from experience. As for high velocity systems such as Unico, they go into areas that are hard for standard systems but if I had my "druthers", I'd opt for the standard system. IMO anyway. You're not really quoting apples to apples here I'm sure you understand. These are three totally different type of systems, and pricing will vary a lot I'm sure!!