We have 2 fans in each stateroom, 1 in the nav station, 1 in the galley, 2 in the main saloon, 1 in the dinette and 1 in each head.
I can't see a reason for air conditioning with fans. It's just not needed. The fans use 1/3d amp each. We do have 2 air conditioning systems but only use them in a marina or after a rain to dry the boat.