The more insulated the UFH is by carpet the higher the UFH temperature has to be to push the heat required into the room. Ultimately that can affect the efficiency of the system.
But if your house is very well insulated that might not be a problem. Does it even need heating upstairs.
We have some rooms with 21mm wood floors and have had to raise the UFH temperature to 50C when it's very cold outside. But our house isn't super insulated.