I think, actually know, that if you fitted UFH with less than 120mm of phenolic insulation, your heating costs would be high.
It is still worth insulting the floor as much as you can, it is a large area of heat losses.
Large radiators, if the layout is suitable, can be run at low temperature. Placing them on internal walls if possible, or you just get the same thermal problems as UFH.
If you are cladding the exterior, have you checked you can do it safely.
What are you doing about airtightness? And the associated ventilation and heat recovery.