I can't quite follow your calculation so spontaneously, but that doesn't have to mean anything. Also, I think it's not very helpful at first to throw a lot of numbers with many decimal places into the room. :P
For the questioner, maybe the following helps. To have a warm room, heat must enter the room, which happens via the underfloor heating. The following relationship applies:
Heat (in watts) = heat transfer area (in m²) * heat transfer coefficient (in W/m²/K) * temperature difference (in K).
The heat transfer coefficient is called the U-value. The area for underfloor heating is practically the living area of the room. The temperature difference is the difference between the room temperature and the underfloor heating flow temperature.
For floor coverings, transmission resistances are now given. This is nothing other than the reciprocal of the U-value, hence the unit K m²/W. The greater the transmission resistance, the worse.
Why is it worse? To introduce the required heat output (watts), practically only the temperature difference can be varied. The area is fixed. A low heat transfer coefficient (high resistance) must be compensated by a higher temperature difference. This necessitates a higher flow temperature, which in turn reduces the efficiency of a modern heating system (heat pump).
How many euros per month this will be afterwards is for others to calculate. I would be relaxed about it.