Package vs Split Ducted systems
If you have the luxury of being able to choose a package unit then do so. They are faster to install by a factor of at least 4 and easier to maintain.
The equipment cost per kW is not that different so most of the initial savings are in the faster installation time for the package unit.
There is nothing wrong with split systems that sit in the ceiling space. For many sites, they are the only option such as a pitched roof or multi-floor building. Generally speaking, for split ducted jobs there are more pipe runs and ceiling works so this adds to costs.
Replacing a package unit is dead easy also. Just crane the old one off and the new one back on.