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It's a poor conductor, so a great insulator.
Yes, wood over underfloor won't blast out heat as well as a rad. Over a period of time it will give you a nice even controlled heat. As you've got wood burners it won't be an issue. But for people with minimalist places it's best to go for carpet or another material.
Floor covering and the potential requirement for another source of heat. Wooden floor boards mean you'll never get that warm cosy feeling in winter without an additional source