We are choosing between laminate and plastic flooring over water based underfloor heating (heat pipes laid in the screed floor over thick concrete). Laminate floorings have a thermal resistance of app. 0.06 m^2K/W, plastics (for example Classen NEO) have halve of that or less.
While plastics are twice as good in terms of thermal conductivity, they are also more expensive, may be harder to install (linoleum has very low thermal resistance but needs to be glued to the underfloor) and there are environmental and air quality concerns for the cheaper options (vinyl).
How do I find out what the consequences of higher thermal resistance (lower thermal conductivity) really are, in terms of how much more m^3 in gas I will need each year? Are there any calculation tools, lookup tables or rules of thumb to help me with this? Maybe experiments with different floor types?
I could calculate the difference straight from the theory, but I don't even know what the average floor heat is from underfloor heating (from this, I imagine, I could calculate back the energy difference for different floor types, and then I would need specs of the heater to calculate how much more gas this would cost).