It’s not that they can’t heat your home to 20°C in the winter on those occasions where it’s freezing outside, it’s just that the heat output decreases as it gets colder, while the heat loss of your house increase, and your size your unit(s) for a specific temperature.

Our air to air system still has a cop of just above 4 at -7°C and 3 at -15°C. It manages to heat our 1960 house just fine (decently insulated, but not to modern standards). Even on those rare occasions the temperature drops that low in Belgium, we should be fine.

In a more modern house, the system could’ve been cheaper thanks to the better insulation.