Heating concept for 3-liter-or-better house, district heating possibly with underfloor heating, etc.

Hello,
since I have heard many different opinions and pieces of advice on the topic of heating from various sides beforehand, I wanted to ask a few questions to neutral readers.
A house with two full floors of about 90 sqm each is being built.
As far as insulation is concerned, I am rather willing to invest a little more in it if the maintenance costs become lower as a result.
I am aware that I cannot avoid a good energy consultant who will calculate the final values etc., of course. But I wanted to be as well prepared as possible.
Whether heating will be done with an air heat pump or district heating depends on the tariff for district heating, an offer hopefully coming soon.
At the site visit, the engineer who calculates the connection costs already suggested building in such a way that the connection can potentially be replaced by my own heat pump. That sounded plausible to me.

However, everyone here is talking about the necessity of underfloor heating and if I remember correctly, floorboards and underfloor heating don't really fit together, is that correct? Or are there alternatives, as I would really like to have floorboards, and wall heating would be quite awkward because of the wooden walls which I don’t want to cover up either.

But I was also advised from another side (chimney sweep) to install a wood stove with air-flue chimney on each floor, produce hot water with a domestic hot water heat pump, and heat electrically during the transition period since there is a photovoltaic system and the controlled residential ventilation in combination with the thick insulation will ensure a pleasant temperature anyway.

Well, now I’m stuck. Is the latter concept really possible and practicable? Or does everyone just want to sell their favorite system?

As far as I remember, floorboards and underfloor heating don't really go together, is that correct?

No, almost all floor coverings are suitable for underfloor heating.

But I was also suggested by others (chimney sweep) to install a wood stove with an air-exhaust chimney on each floor,

Interesting. Who fuels the stoves around the clock on two floors? How is the heat distributed evenly?

to heat electrically during transition periods, since there is a photovoltaic system

The sun knows it has to shine in autumn so that you don’t have to buy a lot of expensive electricity?

the controlled residential ventilation in combination with the thick insulation then ensures a pleasant temperature anyway.

That is like trying to bring heat into the house through open windows in autumn. The controlled residential ventilation is a ventilation system with heat loss and not a heating system.

Hello, I just realized that I probably forgot something important above. Sorry. In the preliminary calculation of the wall/insulation, there is a U-value of 0.133 W/m²K listed here, and that is probably why there are rumors in the village that I would want to build a passive house. If such insulation were indeed that good, it would of course be nice, and yes, I am fully aware that the basement, roof, windows, and doors are also important components in this regard. Would it then theoretically be within the realm of possibility?

Everything is possible. The only question is whether you want it, can pay for it, and whether it makes economic sense.

I like your approach. I have not yet understood whether you want to optimize economically or invest beyond the economic optimum. This question is important for upcoming input. What does Drei Liter Haus mean to you? One liter of diesel carries about 10.4 kWh of energy. At 3l/d that would be 31.2 kWh/d and 11,388 kWh per year.

It is normal the heating capacity per sqm. 3 liters of heating oil = 30 kW per year per sqm Passive houses are 1.5 liters. Are you building with a general contractor? Who is supposed to install the heating system? For houses with low energy demand, there is also Stiebel Eltron LWZ 604 air. The two wood stoves sound like from 1960. Or in other words, finally another chimney where I make money. District heating how much does the connection cost