@Zwy had some somewhat more expensive special requirements for his ground mount, but otherwise his system is not very spendy and all DIY. Be careful, his numbers might surprise you , especially if he were to theorize apples to apples on a cheap ground mount
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Since I have 3 of the hybrids, obviously I agree with you in the short term. My position is why can't the Solar hybrids be used to reduce the cost and size of the "remainder of house future system" ??
I think in GENERAL the AVERAGE guy will have a longer payback on a whole house system. Many , even MOST, people here ARE NOT average!! As well as, any shmo can hook up this hybrid mini split. Not all people can successfully DIY a whole house system.