In order for the underfloor heating to operate energy efficiently, the total value must not exceed 0.15 m²K/W.
Everything is correct, the heat must pass from the pipes into the floor, and the floor must conduct it into the room. The 0.15 is observed, as also wrote, if the floorboards are not too thick (which I already mentioned).
That the heat transfer to the room air is not as good as with tiles is clear, but that this causes heating costs to explode or the fuel demand to increase enormously is nonsense. Where should that come from?
Initially, due to the poorer heat conduction of the wooden floorboards, only the heating output of the surface heating per m² is reduced. This has no influence at all on the amount of heat required to heat the house. So it is correct that with wooden floorboards, the underfloor heating must be designed differently than with tiles. But this also applies to other floor coverings, such as vinyl or parquet.
The only thing that leads to an increase in fuel demand is a possibly necessary increase in the flow temperature to compensate for the poorer heat transfer. With 15 mm parquet, by the way, this is not significantly different from 20 mm floorboards.
For gas heating systems, it does not matter for energy efficiency whether the heating runs at 30/25°C or 40/35°C (radiators sliding up to 55/45°C), this makes maybe about 1% more gas demand at the end of the year.
For heat pumps, of course, this is significantly more, but that has already been mentioned.