You do not understand the science of thermal comfort, inspector. If there is a cold surface in a room the body's radiation will not be returned by that surface and a higher room temperature will be required to make up for it especially if such a large surface as the floor of a room is involved.An Inspector Calls wrote: The slate floors are cold to the touch, but that does not upset the thermal; comfort of the rooms. And my house doesn't cost an arm and a leg to heat.
In summary, more of the usual level of argument by exaggeration.
One of these days lagger will read and think - perhaps not at the same time though!
Your house doesn't cost an arm and a leg to heat at the moment because you spent a fortune on an inappropriate method of heating, a heat pump, instead of insulating your house properly. When the cost of electricity goes up in future years you will see the error of your ways. Insulation has no running costs so, although it might have been more expensive initially, in the medium to long term it will be much, much cheaper, as my clients have discovered over the last 35 years.
And who's finishing off with an ad hominem attack now?