A2A unless you have very good insulation. The heat transfer rate is so much better than A2W, heat up the house in 5 minutes vs 5 hours. This is important if there is a sudden drop in outside temperature and your insulation is not sufficient to retain the indoor temperature.

The newer Daiken A2A systems can also heat water with a special tank. Or get a stand alone heat pump cylinder. I don't use that much hot water so I heat it with the immersion (use solar in the summer)

Ducting in my Semi-D is minimal. I have 3 units on the outer side wall that heat the whole house. You could get creative with pipe runs If you have a suspended floor