I’m not so sure that much is gained with better insulation. I think I once read somewhere that the first 4cm make the main contribution to insulation, each additional centimeter only improves it by a small percentage. Therefore, I have my doubts whether the financial extra effort for insulation pays off. I am also considering the Energy Saving Ordinance 2016 with an air-water heat pump. Photovoltaics will be installed on the roof once there are reasonable storage technologies so that most of the electricity for the air-water heat pump can be generated by ourselves - that’s the hope. Furthermore, winters are rather getting warmer than colder, meaning that the use of the heating element will tend to be less rather than more... of course, this only works if the electricity price remains fairly constant...