Back to OP's original q.
We didn't install any heating but relied on a plug in radiator for a couple of years until the electricity price rocketed, enter stage left the Daikin FTXM25R.
A2A is a wondrous thing, cheap to install, cheap to run and simple to use. Heating and cooling and it cannot leak as there's no water.
We have one in the downstairs hallway, nothing else, give it long enough to run and it'll keep the house ( passive class) appropriately toasty. (Bathrooms need a small boost with a fan heater for comfort.
One worry I'd have is that it wouldn't cool the upstairs as much as cool air tends to sink and warm air rises but I've never had cause to try. Sensibly sized bedroom windows, all rooms with cross ventilation and the south of Ireland doesn't suffer England type nighttime temps.
In your situation and wanting to allay fears of future saleability I'd do UFH with cooling throughout as mentioned earlier.
If it were me I'd do a 70mm duct and a fused spur in a hallway upstairs and downstairs and move in and install A2A as an when you felt it necessary and spend the saved cash on the fabric of the building.