LNEWQBAN - thanks for the reponse, you convinced me, I am more comfortable with a mini-split for all the reasons you mentioned. I need to do a little more research on these systems but I thought I read somewhere that these also act as a heat pump (or can, maybe an option?) for the winter months. If so, that would hit two birds with one stone.

The only thing that I do not fully understand in your explanation is your comment above:

"Mold inside walls will develop with time."

Why is that?