We also only have normal flat radiators. This is because my wife and I lived with underfloor heating for years, and for various reasons, we simply don’t like it. With the house construction, it was possible to change this heating situation for us.
Modern flat radiators have the advantage over older radiators that 70-80% of the heat is emitted through radiation. After more than one heating season, I can say: They work very well: a pleasant warmth is created.
Now I am already making sure that the flow temperature is as low as possible. The heating installer set it to 75 degrees at -15 degrees back then. That is, of course, madness. That makes the return temperature too high, and the advantages of my gas boiler no longer come into effect, I lose efficiency in the range of 3-5%, so money.
In our KfW 70 house (in terms of heating energy requirement, the house is actually closer to KfW 55), flow temperatures between 35 and 42 degrees are sufficient up to outside temperatures of +8 to about 1-2 degrees. At further dropping temperatures (-12 degrees was the top last winter), I then need 47-53 degrees in the flow for indoor temperatures of 21.5-22 degrees.
You operate an underfloor heating there in the range of 32-35 degrees flow... There is already a visible difference.
Regarding your question: I personally would have serious doubts about whether a solution with an air-to-water heat pump and flat radiators is optimal.
Due to the necessary hot water preparation, you anyway noticeably lower the annual performance factor of an air-to-water heat pump.
In my opinion, the air-to-water heat pump requires underfloor heating in order to still achieve a reasonably usable annual performance factor.
Conclusion: If I were the builder, I would never agree to the described solution.
PS: My supervisor has an air-to-water heat pump in his house. We do compare consumption values and costs from time to time. The ones for his air-to-water heat pump are significantly higher per sqm/year. In addition, no hot water warmer than 43-45 degrees is achievable if the auxiliary heating rod is not to turn on constantly (and the auxiliary heater makes you poor, it really consumes electricity without end). It’s no coincidence that my supervisor says that from about 0 to -5 degrees he more or less has a pure electric heater when the thing then runs at 1:1.4 or so…
Personally, I wouldn’t install an air-to-water heat pump anyway. Especially not in the cold and windy region where I live. Because it is hard for it to pay off, it is only widely calculated favorably (which works well with decreasing primary energy factors for electricity). At best, it achieves 1.1, and technically it is nice, yes.
Warm water heat pump or brine-to-water heat pump: brilliant, but expensive, brine-to-water heat pump sadly not possible here for me.