I have gone through a similar learning process. We have now ended up with an air-to-water heat pump (Luft-Wasser-Wärmepumpe). I am adding the controlled residential ventilation with heat recovery mainly for comfort reasons. With the planned standard insulation (according to the construction specifications, so nothing particularly special), we also achieve KfW70. The alternative would be gas and solar thermal energy. I asked intensively about this, but the heat pump that the builder normally installs (which other people are already living with, and they manage somehow) is not more expensive (rather cheaper) in terms of acquisition costs than gas + solar thermal energy (assumption: gas connection only for heating, which then is eliminated, cooking is done electrically). Without the obligation with solar thermal energy, gas would probably have been my choice, but that is simply not possible... or does not lower the investment costs.
I would definitely not build two systems. Underfloor heating is different from the traditionally known radiators, but different does not necessarily mean worse. All in all, comfort and well-being in a modern (efficient) house with underfloor heating (and ideally controlled residential ventilation) is likely to be significantly higher than in an 80s new build with radiators under the windows. Don’t let yourself be driven crazy by that.
So take the solution that is common on the market, that is simple (not two systems), and that can be implemented legally. From my point of view, that is still the heat pump. Either air-to-water heat pump or ground-source heat pump (surface collectors if you want to allocate the area permanently, or geothermal energy if you want to do the drilling and can afford it).