The question usually starts with a problem: a back bedroom that never gets cold, a converted garage with no vents, or an old central system that's finally dying. Central air and ductless mini-splits both work well in South Florida. They solve different problems.
Central AC makes sense when the house already has ductwork in reasonable shape and you want to cool the whole home from one system. It keeps equipment out of sight, filters all the air through one return, and is usually the most economical way to replace an existing central unit.
Mini-splits make sense when there's no ductwork to use, or when the ducts can't reach a space without major work. Additions, garage conversions, efficiencies, and older Miami homes with low attics are classic mini-split jobs. Each indoor head has its own thermostat, so you only cool the rooms you're using.
Many homes end up with both: a central system for the main house and a mini-split for the room the ducts never served well. Before recommending either, we check the existing ducts and attic, because a new central unit on leaking ductwork won't fix the problem you called about.