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The membrane is hung by the suspended timber and does not go all the way to the ground, the rockwool stuff is well priced and work well.
Having a void allow the building to breath, bit like wearing a fleece, they’re not wind proof but still keep you warm and not damp.
This is particularly important given Victorian building need to breathe to prevent damp.
We opt for wooden floor simply because we like them, I can imagine it would be even more insulated with carpet installed if you wish.
We originally going for Kingspan, which are more expensive but due to them being involved in the death of 72 people in Grenfell, I steer clear of them.
Our including some reclaimed timber that need replacing (and tighten up the gap).
You're looking at around £1500 each room (4 by 5 metres), this does not includes us sanding and oiling the floor ourselves.
Don't bother with underfloor heating, insulating the floor make signifcant difference that when I turn off the heating before going to be, it was comfortable in the morning (as in no longer freezing cold).