Main concern is the electric bills. Want something with better energy efficiency
It will still ultimately be on the user and environment irregardless of which system.
If the windows, doors kept opening and not sealed, if user kept using 20°c causing condenser to keep running at high capacity, if the placement of the FCU is wrong etc, all these will cause your bills to run whether you unlock or kept the current limiter or use Panasonic. If it is not right sized, user may keep on blasting at 16-18°c as they feel it is not cold enough.
I personally feel that most system 3 setup will be similar energy usage. The difference will be system 3 vs 4 with 3 FCU.
Since you have system 3 as the more energy efficient, next is the FCU setup and which brand.
You still need to use fans, door sealer etc to keep whole room cool and circulate the air. Top or second top fan coil blower speed is required for heat exchange. Fastest cooling will be 2 bedrooms first then last bedroom turn on after 20-30mins.
What else you need to discuss? Remember your rooms you need roughly 8.5k, 7.3k and 7.0k BTU.