I rather use some dc dc chip and put it all on one pcb with the inverter.
Sure that's doable (it's what Polulu does) just more design work.
I'm not sure going from 5 to 12V is worth that 30% reduction in on resistance.
A 30% reduction in on resistance pays big dividends in efficiency, size and cost. And it's just not hard to boost to 12V.
I might be able to afford to double my 20V direct fet bank
Then you need 2x the drive power, will generate more EMI (larger current loop, more AC power) and your layout gets more difficult.
I used an earlier generation of those. They had two problems:
1) The forward voltage of their body diodes is much higher (on the order of 2-3 volts.) So reverse biasing them (to reduce shoot-through) will lead to very rapid heating. Which leads to the second problem:
2) Those packages have close to zero thermal mass. So if you do start heating them up they will melt, then vaporize, the solder holding them to the board, and pop themselves off. We had this happen several times.
They've gotten better, so if you are careful with shoot-through timing, use additional catch diodes and are careful about thermal design they can work.