How does the difference come about? Otherwise, completely the same setup for the underfloor heating?
Fireplace for gas heating - not for heat pump
Gas house connection - not for heat pump
Chimney sweep for gas - not for heat pump
Maintenance for gas - not for heat pump
I assume that you will end up with a significantly lower difference in acquisition costs considering all expenses. However, gas will be significantly more expensive in operation. Furthermore, gas reduces the value of your house significantly over time.
A lot of babble, little substance. The gas price will settle long-term at a level of 12-15 cents/kWh, provided we truly never import gas from Russia again.
Where the electricity price will go—you'll be surprised if we actually want to do without coal in addition to nuclear power by 2035.
Because that is simply impossible without "green gas" or "green hydrogen" in large quantities...
And enough gas will then be available for those who were clever enough not to install an air-to-water heat pump... which ideally runs with a seasonal performance factor of 3.5, but usually significantly less ;)
The difference of 20,000 EUR is currently by no means unrealistic. You first have to save that again until the air-to-water heat pump gives up the ghost...
PS:
But we've had the pleasure before. Have you read a few studies by now or do you still believe the advertising brochure of your air-to-water heat pump supplier? ;)