I am currently sitting with my back against the radiator and working on the floor because I am cold...
Then you should afford a fireplace ;) By the way, we have ours on daily, at least every evening, sometimes during the day as well. For that, the base temperature in the house is only 19 to 20 degrees; when you are active and doing something, that is enough, but for sitting, it is too cold for us. With the fireplace, we then have 25 degrees in the living room (open with the kitchen), which is pleasant and costs little. But that is actually a matter of preference; for once or twice a year, I wouldn’t afford one either.
But I don’t want to do without underfloor heating. Even if unfortunately the floor is not always warm everywhere, I don’t want to miss the even warmth, and radiators would also bother me; you limit yourself quite a bit in room planning with them.
What we included right away were roller shutters, even though we said to ourselves that we didn’t necessarily need them. And also electrically operated right away. That’s hard to retrofit later if you want it after all.
We don’t need air conditioning either. We just leave the windows open and create a draft in the evening. But we also live in the countryside, and in this “summer” we didn’t have a single tropical night and exactly two nights over 20 degrees. Even in the city, those are only a few nights per year. But there too, you have to consider where you build and what kind of warmth needs you have.