Yeah, you're right. Ideally, there would be the ability to put thicker insulation underneath. I purchased the insulation that I purchased because I thought that it would be better than nothing, at least.
Also, that's a good point about no way to fix a fault, but I've already purchased the floor heating and since the electrical installations exist then I guess I should probably just go ahead and use it.
At this point, I just wanna make sure of things such as:
1) floor heating won't damage insulation if installed directly on top of it
2) liquid leveling/thermal mass can be super thin
3) tiles can be installed on top in thinnest/most effective manner possible