Assume you are talking about going full central heat and air with split systems? I think it's simply down to the prices commanded for qualified installers, the cost to get a full office split-system installed at my previous employer (small office, 120 ish people) was going to cost more than the system itself.
Yup, i tried portable units and they did a couple of degrees at best and certainly not quiet enough to sleep with one in the room so it would need to be a split system. a company quoted £6k to supply and fit a 3 way split system into our bedrooms. The same system online supply only was £1500.