Regarding the annual performance factor, there is a heat pump consumption database (for those who want to look for it) where many people from a pink forum diligently enter their values. That would be my basis for the statement that 4.5 or even almost 5 are very optimistic; the bulk there in recent years has been around 3.4, probably often with more optimized systems than planned here. For me, it’s about the expectation or why the heating engineer will probably never guarantee 4.5. Yes, the pumps can do it. On the other hand, in my opinion, from a cost/benefit perspective, it’s one of the most sensible measures. Every additional heating circuit costs materials (distributors, thermostats, switching actuators...) and in the long term pump electricity. Even if it’s only a few watts continuously that can be saved so easily, that makes for a pretty decent hourly wage in my opinion for 2 more hours of planning effort. Don’t worry if you can’t change anything anyway. In the end, it might be 10 or 20€ more per month for heating; in the overall context, it probably won’t even be noticed ;)