Just in case I misunderstood, the "typical" system I'm describing here has the furnace and AC coil ("the furnace") is in the basement and the AC evaporator somewhere outside. With basement ducts and 1st floor ducts in the basement ceiling. Then second floor ducts in the 1st floor ceiling. That means heat/cool come to the first and second floors via vents in each respective floor. This is what I understood that you were describing about your own system.
What I was saying about my system is that there is duct work only
in-between our floors. So if you're on the first floor, the ducts are in the ceiling. If you're on the second floor, the ducts are in the floor. That's what I meant was a dumb design, and unlike other places I've lived.