Roof-mounted systems have the heating and cooling systems in one cabinet. Sometimes called "gas packs" (if the heater uses natural gas), they typically cost less than a comparable split system. In dry regions, most homes originally had "swamp-coolers" installed. When replacing them with HVAC systems, it's often cheaper to use existing mounts and ducting.
Humidifiers/Dehumidifiers: Humidifiers add needed moisture to the air in winter and very dry climates. Dehumidifiers remove dampness any time of the year. Central air conditioners dehumidify too, but in very humid climates, you might want to remove humidity without also cooling the air. You have a good range of options for both of these HVAC accessories. Whole-house humidifiers cost $350 to $800 installed, while dehumidifiers are $1,250 to $2,000 or slightly more.
We bought 2 top of the line Lennox HAC for $29,000 less about $3,500 rebates, thinking they would at least last 10 years. Well, after 6 years, the system leaked. We are paying $1,700 to fix that leak. We thought at least it is still under warranty - yes BUT - the warranty covered $15 & the rest we were up for ,even though they advertise 10 year warranty. We are trying to sell & move out of high cost southern Calif & have looked at 20+ places in Arizona. Most of the houses we looked at were built from 1998 to 2005. We asked if the HAC was original & in most case it was - even though the highs were 115 to 120 & the lows 90F - versus where we live the highs run 85 to 95 & the lows are in the 60s. I asked the repairman WHY ours went out at 6 years. He replied that they just do not build them the same anymore. In Arizona, I did not see any Lennox - mostly Trane or Carrier. We had Fujistu in Australia which were fantastic - nothing went wrong in the 9 years we had them. Also, they had full induction motors not like the energy consuming 2 stage motors in Lennox. Maybe the Japanese built Fujusita still builds quality & the warranty is meaningful?
In addition to the information below, see these two articles for the general care and maintenance of your air conditioner: Preparing Your Air Conditioner for Summer and How to Replace Furnace & AC Filters. Most noteworthy, you should replace the filters at least twice a year, before the heating and cooling seasons. For information on furnace problems, please see Furnace Not Working.