Not dumb at all, because there is no switch for that. You actually have to disconnect the cables from the motors. Not everyone just does that. Step one should be a visit to the heating installer. He should perform a hydraulic balancing if it hasn’t been done yet. Then you can search here or generally on the internet for "thermal balancing." This is a topic for several days if not weeks, since a underfloor heating system, as already mentioned above by , responds very slowly.
If your heating plumber and electrician have talked to each other, the actuators are connected to a separate circuit breaker. Then you just have to remove the fuse and remove the actuators. This also saves money over the course of the year.
Furthermore, a lot of information is missing. Is there a heating load calculation, room-by-room heating load calculation? Calculation of heating surfaces (installation spacing, flow rate at NAT), were desired temperatures asked for the room-by-room heating load calculation, was a max supply temperature agreed upon for NAT? I suspect from many stories here in construction with a general contractor that this has not happened and at most a pro forma design of the underfloor heating from the underfloor heating system manufacturer according to schema F with a supply temperature of 35°C was made.
What does the hydraulics of the system look like before the HKV? Does the heat pump heat directly into the underfloor heating (optimal situation), is there a heating circuit buffer, how is it installed? Especially here many efficiency killers lurk, keyword separation buffer, combination buffer/stratification tank, bypass valves. If you have read up well and familiarized yourself with your system, you will usually be able to achieve efficient operation, but you have to abandon the idea of really achieving something in every room just by a short turn on a room controller. Heat pump with underfloor heating in a new build means setting the desired temperatures for the individual rooms (within narrow limits) once, adjusting and optimizing the system in the first 2 winters, and only dealing with the heating again when replacing the heat pump hopefully after >15 years.
I do not see the decision against district heating as a mistake if you also care about heating costs. District heating combined with underfloor heating is also a slow system in a new build.
Do you have shading on the windows?
Regards