To inverter or not depends on how you use the boat, as always...
In so fl where we always have a breeze, you don't really need AC during the day if you have a well ventilated boat like our classic hatt MYs except maybe in July thru sept. In winter, from nov. Thru march the staterooms are usually cool enough to be nice with just a fan. Most people think so Florida is hot, that s not entirely true because of breezes even in summer, in winter fronts are pretty predictable with typically 3 or 4 cool days and just 1 or 2 hot days. If the Bahamas, the breeze cools things off nicely as well thru out winter
Sleeping at night without the generator and equally as important the AC blowers humming is very nice.
Costwise, when I installed my inverter and dedicated bank, I cut genset use from 24 hours a day to 4 hours, and the fuel savings paid the inverter install in about a year.
There are other benefits like having a back up AC source if your boat only has one Genset and you spend a lot of time in the Bahamas on the hook. Also, it s nice to let the ER cool off for 12 to 18 hours so you can be more comfortable doing maintenance or inspections.
But of the typical boater, who doesn't spend much time away from the dock, running the Genset 24/7 doesn't make much of a difference which is why most production boats, don't come with inverters.