Mainly, when I say "proper heat pump," I actually mean the size. Also great is an environmentally friendly refrigerant, and by an extremely wide margin, only R290 should be mentioned here. It is the most efficient, cheapest, and at the same time the most environmentally friendly refrigerant on the market.
It feels strange at first, but: As soon as a house has windows (so not >200 kWh/sqm), partial heating, night setback, on-off heating is not only terribly uncomfortable but also actually consumes MORE energy. You don't have to believe me; you can gladly read up on it yourself in various studies.
This is mainly (and especially with heat pumps) because such heating behavior requires a higher flow temperature to be produced. The higher this is, the more inefficient the heating systems run, especially heat pumps.
If you have a thermal envelope (house), you should keep the entire envelope as evenly as possible at your comfort temperature 24/7. Or happy to keep it permanently lower if you want to save, but not sometimes like this, sometimes like that.
You have already recognized one reason for this: With surface heating and a properly sized heat pump, you CANNOT just quickly heat a room up by 5°. It takes a whole day. Second point: If you have many cold rooms and only heat the living area, you not only have to put in the energy actually needed for the room but also compensate for the adjacent cold walls. So you have to provide EVEN higher flow temperatures to have it reasonably comfortable in that one room. And this actually unnecessary overheating of the heating water generates more losses than you could ever save.
So: as soon as you have a condensing boiler or a heat pump: set the desired room temperature directly at the valve (radiator or underfloor heating) via hydraulic balancing, lower the flow temperature as much as possible, and let it run!
Your last point, with the numbers: these are already very, very rough estimates. Actually, it doesn’t work so generally; I just wanted to put it into some context.
Energy consultants usually can't do much except grab subsidies. If you really want reliable figures, you need a proper engineering office. They calculate your heating load and your underfloor heating design.
With that (and only with that), you or a sanitary engineer experienced with heat pumps can select the right heat pump and maybe make an estimate of the seasonal performance factor.
But even if all that is done correctly, and then you start to cripple the heat pump with single-room control and night setback, the seasonal performance factor will quickly be a number smaller again.
So many factors influence it. And by far the most important one is the one you are already beginning to influence now: your knowledge about your future heating system.