A well designed house does not necessarily NEED to have all rooms maintained at similar temperature. To get a high SEER on a central system, the duct work must be well sealed and insulated.
Zoning a central system is difficult/expensive.
Duct systems that are not duct sealed must be when a new install is done, in fact in my zone there is HERS rater testing required before and after install.
A well designed house...in nirvana I guess you can overcome physics. Not heating a space when you heat others creates a cold sinc, same thing with cooling, just the opposite.
Insulation and proper fenestration slows down heat loss and heat gain from outside, not conditioning a space inside causes infiltration.
Unless you envelope every room and weather seal every door and never open them.
I rarely recommend zoning central systems, because of the room required around the equipment to do so and the initial cost(although that is getting better now). I do argue that the miniscule difference in energy used to condition the entire protected area inside the home verses zoning (except for different levels - where heat gain and loss is dramatically different per level) is well worth it because of infiltration.
The inherent problem with mini splits is that the they are essentially throw away systems, repairs after 7 plus years are expensive and in many cases parts are simply not available.
There's an old saying that applies to high tech..."trick parts have trick prices and trick problems".
Even high SEER central systems are now prone to this, recently replaced a blower and circuit board in a Rheem 95 plus 16 SEER unit just out of warranty, that $400.00 blower replacement (old cost)cost the homeowner over $1,500.00.