The heating versus cooling sizing is something I have encountered.
I gathered from the data I've perused that the system is sized against the cooling load because if it it were based on the heating requirements it wouldn't dehumidify on the AC side properly resulting in cool, damp air.
We have electric baseboard heat with zoned thermostats and a radiant gas fireplace for supplemental heat so I think we'll be ok there.
Thanks for your input,
Chip