@ There are maintenance costs because the amount of coolant exceeds a certain limit, so regular maintenance is mandatory. How expensive that is depends on the company and your negotiating skills (there are several HVAC companies that are authorized to do this). Otherwise, the operational function is pretty clear to me (-> physics...).
If you have too little surface area, it cools excessively. The first disadvantage is obviously decreasing efficiency – although direct evaporators can still work reasonably well at quite low temperatures – but then the surface area (better said, the volume) also freezes (underground!). As a result, the ground moves (water expands again below 4°C) and can rise a few centimeters (the colder, the more). This also affects vegetation. For example, the grass then grows quite poorly for a long time in spring. In the case of too short a deep borehole, usually only the efficiency decreases.