I live live in Thailand which is pretty hot and humid all year, it's 93 outside right now.
It is interesting that some installations have the mold issue and some do not. I've had probably 15 splits in my homes here, and another twenty at work and never had a problem, for others it is a constant battle. Splits are (apparently) becoming really popular in the US now, but I still think a well designed, correctly installed central system is much better.
In Thailand, most people pay to have their splits serviced once or twice a year. The tech comes out with a helper and they bag/tent the wall unit, take the face off, blow out the drain and then pressure-wash the filter, coil and pan, then dry it all with a leaf-blower. Depending on where you are, this service typically costs $15-$30 per unit, often less if multiple units in the same home. Taking the unit apart is fast and easy if you know how. Google your model number and find a video.
In Thailand, I think the most expensive brands are Daikin followed by Mitsubishi. I just checked and I can buy a new, base-model Daikin 14,400BTU wall unit from an authorized supplier for under $600 including installation. The free installation incudes 13' of everything from the condenser to the evaporator, 13' of drain, a breaker and 26' of everything from the electrical panel to the condenser.
IMHO, cost and small homes is why splits are popular in much of the World, not because they are better. That said, they do have it all over a window-unit...
Incidentally, multi-splits are almost unheard of here.