all right steve, lets take this from another angle. What is your energy budget? Do you want to eventually go net-zero? It seems to me that is going to be the decision point. If net zero is more important to you than warm floors, then the warm floors are probably a waste of money. same with going extreme energy efficiency...
That said you don't have to go gonzo with insulation and if you have clerestory windows you can use those to control some extra stack driven exfiltration to deal with overheating issues from a well air sealed house. you are just going to pay an energy penalty for that.
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