House built in 1914 is to get a new heating system

Good day dear community,

I have bought a house from 1914 and am planning the modernization. The plan is to replace all windows. Currently, almost all windows are single-glazed with wooden frames. The new ones will be double-glazed windows with a U-value of 0.91. The attic will be completely converted. For this, the roof will be insulated with 24 cm rafter insulation. The building envelope is not insulated.

So far, I have only spoken with one heating expert. He said I should choose a pellet heating system because a heat pump would not be sensible for my house. The reason:

# not insulated enough and therefore too high supply temperature.
# Thus, not economical enough.

Actually, I also like the pellet heating system because I find the raw material wood positive and because the running costs are supposed to be lower than with an oil heating system according to calculations. In addition, I could get 45% funding through BAFA.
However, in this forum I came across some posts that clearly advise against pellet heating. The reasons given are as follows:

# All old building renovators will now switch to pellets, causing pellet prices to rise.
# Pellet heating systems are very prone to faults and thus expensive in maintenance and repair.
# Taking out the ash is annoying.
# The heat pump is the technology of the future and pellets are doomed.

This of course made me doubt and thus this post. Can someone help me with the decision? Are the reasons against the pellet heating system correct or what do you think?

Facts:

Year of construction 1914
Detached single-family house
According to the energy certificate:
Final energy demand 298 kWh/(m2a) Primary energy demand actual value 332 kWh/(m2a) requirement value 118 kWh/(m2a)
Energetic quality of the building envelope: actual value 1.26 W/(m2k) requirement value 0.56 W/(m2k)
Type of heating: low-temperature oil from 1986 (tanks on the ground floor (7.73 sqm), burner in the basement (10.5 sqm))
Living area: 105 sqm, with attic conversion approx. 190 sqm

No gas connection.
District heating could be installed for €2,500.
Rooms for pellets available through the oil heating tanks.

If further information is needed, please feel free to write to me.
Thank you in advance for your tips, information, and thoughts!

If an old building is to have its windows replaced, it is usually absolutely necessary to insulate the exterior wall. For example: the old window has a U-value (overall) of 2.5 W/m²K and the uninsulated wall is at 1.7 W/m²K, so the ratio is correct. The window has the worse value. As is well known, this is how it should be. But if a new generation window (0.9 W/m²K or better!) is installed and the wall is not insulated, it will become damp and start to mold. Quite clearly: suddenly the window is better than the wall. So ideally, you insulate the facade, the upper floor ceiling, and the basement ceiling. Then you could also use a heat pump. Everything is heavily subsidized! Alternative: you ventilate so much and so often that eventually you will long for the old single-pane windows again....

Honestly, I find the option with [Fernwärme] very charming. This way, you are not tied to one heat generator and can still switch later. Maybe in a few years you will consider insulating the envelope and switching to a heat pump.

All of them have so far advised against district heating because the price is too high. Personally, I would simply like to take advantage of the really good subsidy for the pellet heating system or heat pump.

I just checked the current prices for district heating in my place of residence. The kWh costs 9.551 ct. On the internet, pellets are assumed to cost 5.9 ct/kWh. That is quite a significant difference.

I would also avoid district heating, as you depend on a single provider who sets the prices. You cannot switch. As mentioned above: just replacing windows can be risky. Have you already spoken to an energy consultant? They can help you further and, in addition to BAFA, you can also get KfW funding through them.