Yeah, that is really the question. If I insulate right now with cellulose, that particle board is not coming off. If it did have to come off I would have a heap of cellulose to clean up and have to find a new way to blow it back in. I don't want to have to deal with that. So, I'm leaning towards a sort of middle of the line garage, at least for now. I don't have the money to go all out with solar heat, solatubes, etc. Especially since my 2nd floor still doesn't have any insulation in the walls. However, I do need a place to work during the winter so I can work on things for the house. So, this will be a compromise for the time being.
There are always grandiose dreams of course. Heated floors would be my dream come true.
Perhaps in a few years I can break up the floor, insulate below it and repour it with pex in it.