In our Kfw40 house, there is 20 cm of insulation under the floor slab (no basement). Originally, 6 cm of PUR was planned on top of that (energy consultant) and directly on top of that 30mm solid wood planks. In consultation with the energy consultant, we replaced the PUR and used wood fiber insulation with a lower value under the planks. From time to time, I was annoyed that I hadn’t left more space for insulation, but I let myself be talked down by the general contractor. You always think that more is better or you prefer to be too cautious (in this case, I was not). The status quo is that I don’t have a worse feeling on the ground floor than on the upper floor, where the same floor is installed, and we don’t have underfloor heating either. I always remember our former house built in 1990, where the bedroom was in the ground floor/basement. There was standard insulation with screed and a carpet on top, and I would never have thought it was too cold there. Nevertheless, next time, I would choose more than 6 cm of insulation thickness, if only to have more room for pipes, cables, etc., which caused quite a bit of trouble.