I have a feeling you think you'd have to do a lot more exercises than you would need to. You have to realize that when you do it more often the volume gets spread accross the week so you don't need a lot of exercises. The key is progressive overload from one workout to another.
If you have time to do chest/back/shoulders/arms then you have time to do squat, press, chinup/row, and something like abs or whatever. You work deadlifts in there and that's all you'll need to get you off to a flying start!
Now an upper/lower split but that means more volume to get it right. So actually more time not less because your only working upper and lower twice a week instead of 3. Also, an upper/lower will be more effective once you're recovery has improved and you can handle the aditional workload. And at this stage you'll simply be better off with a fullbody where you put weight on the bar more often and thus progress faster. You do it now because you can. There WILL come a time when you CAN'T and that will necessitate a different kind of fullbody or an upper/lower like you're thinking of.
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