Less upfront cost- I guess its arguable, but to get the most out of a conventional, yes, you add in the duct, and the cost goes up. I am just postulating here, but I would assume that most folks would rather have the option to heat with gas (natural or LP) since in many rural areas, it is much cheaper than rural electric rates. A straight electric/ electric heat pump (while done every single day) in this area (Central Indiana) is not a great choice to begin with.
In many of the other areas of this forum, it is realized that "cheapest initial cost" is not the cheapest overall or the best value. In other areas, not so much (like the infamous T8 lights).
I stand by my statements. Best overall- conventional split. Best value over the long haul- Conventional split.
However, seeing the OP is in Florida, I would forgo the heat and/or heat pump likely and go straight A/c and cut costs further. It also makes a mini-split a bit more "service friendly".
For larger spaces, I also like a packaged convertible unit. Very quick install, and good serviceability. I know I am in the minority on this.
And to the OP, for your BTU, a couple thoughts, if you do not condition the space 24/7, make sure you oversize it for the routine pull-downs, if you are conditioning it 100% of the time, do not.
I would guesstimate 2 tons for correct 100% conditioned space.