Hi Thorsten,
I don't have space for pellets (no basement). So that's out. Whether solar thermal is worthwhile (see your other post) is initially irrelevant, since as a single item it is not up for discussion due to the Energy Saving Ordinance. So gas boiler with solar or air-to-water heat pump. Amortization only needs to be considered in relation to the additional costs (electricity) for the air-to-water heat pump due to hot water preparation in the context of the overall balance. Or in other words: How many kWh do I need more for hot water preparation with the heat pump compared to the omitted solar thermal system.
These calculations are, however, relative with regard to the comfort gain of an air-to-water heat pump. Since I don't have a gas connection, that means a gas tank. Underground is hardly recommended nowadays - after 10 years the tank is at risk of failing the TÜV inspection because since this year only the (nonsensical) current injection method is approved as a testing method. Many perfectly sound tanks fail this test (talk with tank supplier). Above ground means an unsightly bump in the front garden and having to leave a lot of space (set building back in the building window) due to large safety zones. Plus refueling every year. And finally having the chimney sweep come into the house once again a year (in our house, chimney and oil heating and burner inspection always happen at separate appointments).
If the air-to-water heat pump at 22-standard radiators causes significantly more costs than a gas boiler (and that with higher initial investment) - then this comfort gain is relativized again at some point.
Maybe real experience values for the air-to-water heat pump on radiators will come in yet.
A bit off-topic: we see things similarly regarding wood. Nothing beats a wood stove. Chopping wood can be a nice strenuous and at the same time relaxing activity if you don’t do physical work in daily life. And if you are tech-savvy, you also have the justification for the management for acquiring several spruce mopeds in different sizes and colors
Regarding your comment about the "bag" house, here are my experiences with the wood stove:
Nice (subjective) wood stoves have a large glass pane (that's my claim). This requires large fireboxes, because only those have a large glass pane. Large fireboxes lead, however, to too high heat output of the stove in relation to the heating demand of an energy-saving house. This means the wood stoves are constantly operating in partial load mode, which in turn reduces efficiency and increases soot formation. So it’s just 26°C in the living room at an outside temperature of -10°C. Ecologically certainly questionable but simply.....
Regards
Michael