Hi Jilly
For UFH if you use a flow screed then 70mm insulation is fine. I converted a barn 6 years ago with recommended 70mm insulation and the screed can be laid at only 40mm deep, which means in places it’s 25mm thick above the pipework. Depending on the flow screed this is within the prescribed limits of the product. Obviously you cannot do this with a standard dry screed, so clearly a flow screed is more expensive. I believe some of the newer screeds also allow for direct polishing...I had a micro cement finish put on mine, and this I would NOT recommend.