isis: i'm in the same boat as you. However with my new house being double story, installers have provided quotes for a ducted system upstairs but single high wall units to the downstairs living area. This is around the 20k figure and wasn't overly happy that the whole house can't be ducted/centrally controlled.
Did you consider a multi split heatpump system, or do you want the fresh-air/heat-exchange benefits of a ducted system?