Southern New England maritime climates have real cooling loads, often dominated by the latent load. The 1% outside design temp in my zip code is a whopping 83F, but with 30 design grains at 50%, which is comparable to the latent load in Austin or San Antonio.
The central air at my house is ridiculously oversized for the load (5 tons for a 2400' house that is mostly in the shade after 2PM), apparently necessary by the size of the refrigeration coil in the hydro-air handler somebody installed that still serves a heating zone. It's not worth ripping it out, but it's not how I would have done it. The central AC runs maybe 20 hours/year, and the latent loads are managed primarily by a 70-pint room dehumidifier in the basement of this moderately tight house. A 3/4 ton mini-split would do a better job of handling the cooling loads at this house, but it's not worth the investment given the ridiculously low sensible load.