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I'd definitely like to insulate under there, no matter what goes down.
Well, you gotta do that before you put engineered wood down. Because once it's down, getting up is destructive, I believe. If you just go with floorboards, they can be lifted in a mostly non-destructive way.
If you do go down the EW route, it seems that today's EW is not what it was ten years ago, and that the finished layer is now more like a veneer if you are not selective, and it's too slim to re-finish once it's had ten years of battering from use.
Howard-
the finished layer is now more like a veneer if you are not selective
Can confirm that having mandated 5 or 6mm top layer, it is now really hard to actually get anything that isn't 3mm.
From the research I did it's less the ability to sand and refinish (because who's evert gonna do that) and more the risk of cutting through with a stone in shoe, dropped something or other, etc.
hugo7
I'd definitely like to insulate under there, no matter what goes down. UFH would be nice but we'll see what the budget stretches to. I'd love a heat pump too, but same...