It is in fact literally the opposite of central, aka decentral

That would depend on just how many zones you want to control. If you have multiple rooms then you will need multiple mini splits. That adds up real fast. And multiple minis are more expensive to operate and maintain than one central HVAC system. Plus doors can be closed and duct vents can be adjusted easily.

Fun fact about air conditioning units. They are basically a glorified heat pump. And many of the newer units that are being produced can pump heat into the house as well as pumping it out of the house.