Wow, you guys have given us a lot to think about and we're very grateful for your real world experience, which is exactly what we were after. For a few hundred pounds it really is a no-brainer to at least plan to put the UFH loops in while the slab is being laid, even if we end up not using it, at least it keeps our options open. Our plot has a fair amount of trees which as a fuel source was one of the reasons we were considering a stove, but having just had the discussion with my wife we'd be quite happy to ditch if it just adds complexity we don't really need.
So, plenty to think about but after this thread we're leaning more towards UFH for our ground floor heating from an external ASHP that can also feed DHW (tank or SunAMp), and perhaps a Genvex type MVHR with ASHP to supplement heat or be a backup in case of failure, but mainly to help cool if needed.
Which external ASHP brands do people recommend? Friends of ours have a Mitsubishi unit powering their UFH/DHW and are very happy with it.