Kitchen, dining, bathroom, three or four bedrooms.
I’ve never seen a split system in a bathroom, but I’ve definitely seen freezing cold bathrooms, or bathrooms with a radiant heater on the wall or heat lamps on the ceiling, which occasionally get left on all day and destroy electricity bills.
Ducted systems almost always extend to the bathroom, and almost always cost AU$15,000 or more to install.
Sure, insulation in ceilings is relatively easy to do, but swapping windows out for double glazed windows with solar thermal reflective film, very expensive.
New homes are much better designed, requiring wall and ceiling insulation and double glazed windows or better.
And yeah, the state of Victoria is still prompting banning new homes even connect to gas. Seems strange when we export around the same volume of LNG as Qatar.