> Most heat pump installations in Europe are air-to-water systems

I'm not sure thats true.

Most aircon in "warm" europe is standard split aircon

The "heatpump" shit that the UK is sorta looking at is as you describe. However its half the price to install "aircon" over heatpumps (because grants, amongst other things)

Like most recently refurbished offices will use normal aircon (certainly all the one I have worked in)