Why is it people only care about the btu of their indoor units but not their outdoor compressor unit ?
MXY4H38VG is normal rated at 27.3k btu
MXY3H28VG is normal rated at 20.4k btu
Option 2 will definitely be better than option 1 as you have a dedicated outdoor compressor to support your 24k btu indoor unit. The disclaimer however is that you will only be using 2 of your 3 9k btu indoor units as MXY3H28VG at 20.4k btu cannot fully support all the 3 9k btu (3 x 9k = 27k btu) indoor units. You will be better off getting the MXY4H38VG to support your 3 x 9k btu indoor units.
Some people will disagree with me to say that at night, temperature is lower and you don't utilise the full 9k btu of the indoor unit, so you can get a lower btu outdoor compressor unit. But if the temperature gets hot (like now), that will be the time that you will regret your decision.
Temperature is really rising and we do need higher capacity theoretically. However, room sizes are getting smaller as well. Agree that ideally outdoor capacity should match indoor capacity, but diversity has always been the purpose of multi spilt system.
And how do we know bedrooms do need 9k? why not 7k, 8k etc?
Not trying to challenge, just healthy discussion, no offence.

