I appreciate everyone's comments. I understand how various factors influence the efficiency of the system, but for the moment I am focussed on floor covering thickness. I am also thinking about it in abstract terms, which may not accord with experience.
JohnMo said:
"3. For a given heat flow into the floor (product of flow rate and dT). The more restrictive the surface finish is, the more difficult the heat transfer mechanism. So instead of transferring the heat from the pipe, to the floor, to the room (heat flow is restricted by floor covering), the return flow temperature stays slightly warmer, decreasing dT quicker than normal and shutting down the heat compressor sooner. Less heat is actually transferred to room."
I get the bit aout "the more restrictive the surface finish it etc..." ie if the thermal resistance of the material is greater it may require more energy (and a higher temperature of the water in the pipes) to get the surface temperature to the 2 or 3 degrees above room temperature than a material with a lower thermal resistance. What I am struggling with is where you have a material of a given thermal resistance and them make it thicker. The material has the same thermal resistance and so heat is going to flow though it the same, whatever the thickness. You have an extra amount of material to heat up initially so it will take longer, but once it reaches an equilibrium temperature, I would have thought that the temperature of the water in the pipes would be more or less the same. I am probably wrong but I would like to understand why.