So, for that specific Pioneer mini-split, it looks like I'll need a disconnect with a 15 amp fuse on each hot leg? I'll check mine in the morning to see if it has a breaker or fuse(s). It was installed by the electrician who wired my shop, and it's been a while since I looked inside.
I'm curious to see what the nameplate on your outdoor unit states. The installation manual for your unit states you can use a fuse or disconnect. Can you post a photo of the nameplate?
The way I interpret your situation is:
If your electrician already installed a FUSED disconnect then put two 15A fuses in it. Keep the 20A breaker in the panel.
If there is no fuse in the disconnect, then swap out the 20A breaker in your panel with a 15A breaker.
I just went through this in my house. Electrician prewired a 30A circuit on 10ga. wire. When the mini-split arrived I installed a simple disconnect and swapped the breaker out for a 20A because the installation manual called for 20A MOCP.
This article is old, but it discusses a number of the items covered in this thread.
iaeimagazine.org