I think that your area of the country is a big factor in making the decision. I live on the coast in South Carolina and it is a no brainer for me! Get the A/C if you live in a hot/humid part of the country. You might want to ask Henry what he thinks about getting A/C. He recommended it to me... that carried alot of weight it my decision.
Although my IM is new, I have had other Porsches with and without A/C, so I can speak from experience. My top stays down in the summer, but you would be surprised at the cooling effect the A/C can have. It is a godsend when you are sitting in traffic. I have not yet had the chance to test my IM unit in actual summer conditions, but others report it is a is very effective unit.
I don't believe that routine maintenance access is a problem, depending upon what you define as routine. Henry and I changed the oil, oil filter, adjusted the carbs, timed the engine, etc. without even getting near the compressor. It does not appear to get in the way of changing spark plugs, either.
I will have to defer to the experts on this site as far as heat load on the cooling system is concerned. I plan to watch the temp gauge, and if it creates a problem under worst case conditions, I will switch it off temporarily. I have the 2160 engine, and performance seems pretty spritely with the A/C switched on. Long-term reliabilty is not a factor for me.. it will probably take me 5 years to put 6,000 miles on the car (not many places to go on an island that is 12 miles long) and by then I will probably want to try something new under the hood.
This is just my humble opinion based on very little experience on the IM, but over 25 years of driving air conditoned Porsche Cabriolets in the deep south.