I’ve been experimented with my temps over the last few weeks. Although I have an ASHP, I have UFH downstairs and rads upstairs. It only does heat and not DHW.
I was outputting 50 deg C and bills were huge. Now turned it down to 35 and set zones to 18. UFH is great and so are rads. I did fit a radfan to the coldest room and this has made a difference.
If I was you, keep turning everything down until you are comfortable.
I was doing a change every 24 hrs.