Water-bearing fireplace stove floor heating, heat pump, photovoltaic, new construction?

Here in the area, a cubic meter of wood also easily costs 70-80 euros including delivery. And a stove is not mandatory for a house. Neither with a gas connection nor with a heat pump. This argument (additional costs) therefore only applies if a stove was planned anyway. Otherwise, a chimney draft even comes with a heat pump.

Otherwise, with a heat pump, the chimney draft even comes into play.

Not only with a heat pump, but also partially with a gas condensing boiler. A gas condensing boiler usually only needs a small plastic pipe.

In our initial planning, we had a pellet stove with a water jacket. Various dealers said the following about it:

A water-guided stove heats well in the circuit, but this would reduce the heat emitted to the room. In addition, there are the extra costs of a chimney draft, the purchase price for this type of stove is also significantly more expensive, and the heating system must be planned accordingly.
A stove, no matter what kind, would only work well with underfloor heating if you lived by the stove, since the underfloor heating reacts slowly and you might end up throwing the windows wide open because the place gets too warm. We didn’t want to heat for nothing.

Experience from the neighborhood confirmed this statement.

We are now installing a gas condensing boiler with a hot water storage tank and underfloor heating. We had a wood stove in the old house. I’m no longer keen on the mess, making and carrying wood, and my husband hasn’t been able to do it for health reasons for some time. Wood costs us about €70-80 per cubic meter. Therefore, pellets would have been considered.
Without a water jacket and all the extras, the stove would have cost almost €13,000.
A lot of money!

People always argue about types of heating systems.

Go to one or two, three stove builders and get advice. That’s the most sensible thing to do.

You learn a lot from it.

I think the building services should be chosen specifically only when more detailed data is available (heating load). Then one can consider concretely whether and how something makes sense. In a well-insulated house in a not too cold region, perhaps the air-to-water heat pump is sufficient - and one should avoid this combination, because, for example, a necessary buffer tank here gnaws at the efficiency of the overall system. Possibly better a small "decorative" stove – if at all. We heat about 200 sqm (including basement) exclusively with the heat pump and do not miss the fire. No chimney, no chimney sweep, no storage, no work, no dirt – very low heating/hot water costs (2014 < 2000 kWh in a cold region with 4 people) – fits.

The stove is included in my new build for the look and coziness. But without the water jacket! In my parents' house, the water jacket was rather disappointing. The firewood consumption increased significantly and the time until the stove was "warm" almost doubled...

Annual heating demand is a maximum of 1000 €... if everything was poorly planned.

I now believe that from an economic point of view only self-dug trench collector, air/air heat pump (house must fit for that) or gas with solar are worthwhile
Double systems definitely not - heating is too "cheap" for that.

Air-water heat pump is attractive because it is very favored in calculations.

On the topic of heating load: since heaters only come in 2 kW increments anyway, you can estimate it accordingly.