Thank you Olf for your thoughts. To answer your questions:
Peak energy use for heating - don't know I'm afraid, probably around average just like everybody else
what is total and available (not permanently covered by furniture) floor area? 80 square meters total, not covered by furniture would be around 50-60 I'd assume? There would not be UFH under kitchen cabinets, bath etc. But presumably there would be under bed / wardrobes as those can move from time to time
I assume you have already radiators, so no need for a new boiler? I plan to get rid of radiators and get a new combi boiler (the current one is very old)
Are you planning any energy efficiency improvement jobs during renovation? No - there's already double glazing windows. Other than that there's brick walls but as it's a flat, it's not up to me to insulate the walls
If you define 'better' as 'longer and more disruptive installation but 1/3 of heating cost long term' then wet is better How long are you planning to stay in that place (what is you return on investment period)? - Thanks, that's basically how I define better in this case How long to stay - don't know, could be as little as 3 years or as long as 10-20 - I see UFH as an investment (if done right - which is why I am asking all these questions) even if I decide to sell / rent the place at some point
You never mentioned funky stuff like wall/ceiling electric radiant panels - I prefer simple solutions that work - if there's better (cheaper etc.) ways to heat the flat (particularly smaller rooms like bathroom etc.), I'm all for it
Cause on the ground floor even with 30cm EPS one loses 10% of heat as sacrifice to Mother Earth... - is there any simple rule of thumb here? For ground floor yes, insulation seems necessary based on what you're saying - for first floor I am being told the heat losses are not significant (6-10% or so maximum) without any insulation - is that right?
Tiles are always a winner for UFH, with vinyls do check spec of what max temperatures they like - I'll definitely have tiles for bathroom and kitchen. For living room and bedrooms, probably luxury vinyl - which from what I have read so far, should be suitable for UFH.