I think it boils down to your satisfaction with the cooling you are getting now. Can you keep your whole house at the desired temperature, or do you have spotty hot and cold places.
In my case in Indianapolis, I supplement my two ton central air with a 10,000 BTU GE window unit in my office because the loading in my office was never expected when they put in the ductwork in the 70s. In the office, I have three computers running with large CRT monitor, two laser printers, a fax and overhead lights. In the summer I use florescent lights, but the rest of the time I have halogen lights. If I try to cool only using the central air, the east end of the house is about 10 degrees cooler than the west end with the office and I cannot cool down the office in the daytime. I can only maintain the temperature with the central air. I put in a window that lasted 9 years. It went out last month and I have tried to make it through the rest of the summer just using the central air. I have been regretting the decision since August was the second hottest month here on record in over 100 years by 0.1 degrees. Of course, it is not the same as Texas, but then again neither are the winters! (See my post in the snow thrower section from a few minutes ago.)
I talked to my central air dealer and he said that a one-room window unit typically costs the same to run as central air for the whole house. I don’t know how much of that was marketing, but when he looked at my situation he told me to get another window unit since adding ductwork may not have accomplished what I wanted. I was surprise since he does not sell window units.
As for your comments about the trees, keep in mind that trees die. I just lost a 60' tall maple that shaded my office during the afternoon.