This is all good advise, and we took a few days to mull over it. We came to the conclusion to put electric panels on the roof eventually, and not to pursue the wet stove. A stove is still a must, as we like the idea of having one in the living room, so that is more a lifestyle choice. We hope we can find an airtight model, so we won't have much heat loss when it is not fired up.
The external insulation is a good thought. We had this in the plan, but for later, if it is needed. We didn't think to dig down that far, but I guess it will be beneficial/necessary to get the expected results. Would it make sense to sink a french drain, just in case, since we would have a trench dug out for the external insulation? (I'm not aware of any damp so far.)
However, we also think the floor needs insulating rather sooner than later. That is some big and dirty job, so we think we would end up not doing it if we delay it for later So we probably still want to get this done first, even if it is not the optimal order of events, technically speaking. As the house has some cavity wall insulation already fitted, we hope that we will make it through the first winter and then decide what is next.
What is the reason to do the MVHR before any insulation? We thought this is a relatively minor job (it's a bungalow, and all the ductwork can be done in the loft) and so can be done at a later stage.
Thanks again everybody for all the good feedback, we are still reading up on the various hints we got, and keep changing our minds on a regular basis on these things, as we are both inexperienced. ?