Why not a single self-contained unit such as a Cruisaire? These heat pumps are efficient and should work for both heating and cooling in the area you mentioned. I would think that the genset should also be capable of running the unit. Check on their website for required power. We have one unit under our aft bunk and the noise doesn't bother us. On the other hand, while anchored in the Caribbean, we almost never use our A/C. In marinas, we do use the A/C.