Mitsubishi ductless vs. central air
Ductless, having multiple air handlers in each room area, can allow for zones to be shut down or reduced, thus conserving energy and dollars. Ductless can offer installation flexability and simplicity in some senarios.
Today, I think you will find the cost delta between whole house and ductless won't provide a good ROI. This depends a lot on the climate where you live, how long you intend to live in the house, etc. Get multiple quotes both ways and run the numbers.