Depends on your situation, but since the air handler is in my garage, I've often thought of just putting a register in the plenum, for occasional use. If your garage is small and your A/C new and a little oversize, it might work year round, just to knock the temp down to the 80's. Of course, you'd need the insulation, regardless, but $15 vs $3000(?) for a mini-split? If it was me, I'd give it a try. Probably totally illegal and you'd have to remove it if you sell the house. So save the piece you cut out, and tape it back in when you move.
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