You only want an air-to-air heat pump from Passive House standard onwards, if at all.
Don’t let any commission-driven house salespeople sugarcoat it for you. They look ahead at most as far as their warranty goes.
You, on the other hand, have to deal with it forever and a day.
With an air-to-air heat pump, you don’t have water-based heating surfaces in the house, and you can’t simply retrofit those later. Then the trouble starts with electric heaters and photovoltaic systems to limit the damage.
It’s written overly harshly now, but with those things, you have 90% trouble.