Facing the same decision as the creator of the thread, for us the reasons are economic in nature:
Both are in their late 30s or early 40s, so the house must be paid off in 20 years without the monthly rate causing sleepless nights.
Underfloor heating is a must for us, as well as controlled residential ventilation with heat recovery.
Gas condensing boiler is the standard with the house provider. An air heat pump costs an extra €10,000~12,000, which in my opinion is a rip-off.
Gas is available at the doorstep, and the gas house connection is €399 up to the house because the supplier subsidizes it.
For the extra cost, I can get a lot of gas. But I am already planning the underfloor heating for a later switch to an air heat pump.
But I wonder (because I don't understand all the KFW stuff) if I can still achieve KFW 55 with just a gas condensing boiler and controlled residential ventilation with heat recovery? Or do we necessarily need solar thermal to secure the KFW 55 status?
At the same time, for reasons of comfort, we would also like a circulation system, but according to the house manufacturer, that could cause the KFW 55 status to be lost? Or can you safely do without circulation in a bungalow with 110m2 and one bathroom plus a guest WC?
I don't trust these super great 3-liter rules on paper/mounting plan regarding the actual pipe routing and dimensioning on site...
Well, questions upon questions...