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Plenty of people regret putting in heat pumps too
And biomass! Had two systems which went in, lasted about 3 years, then ripped out to be replaced with oil because they were so much hassle! Did a PFI school in Bedfordshire which had a couple of biomass boilers, they failed within 18 months and school now runs on the backup gas boilers. They also had a wind turbine which went t1ts up after only producing about £100 worth of electric!
Getting back to the OP, it all depends on what capital budget you have. Kerosene fired wet system with rads is cheap and cheerful and works. Fancier systems require more money and might not recover the outlay. I agree, if you can bump up the insulation do so whatever heating is going in. I'd also add if you're going for any sort of electric system you might need to bump up the incoming supply: normal domestic supply is 60A (about 15kW). If you've got an electric shower (usually 9kW-ish) and possibly a cooker it doesn't leave much for heating! Just done a 100kW ASHP/UFH system for a community centre which involved replacing main transformer and sparky sweating bricks because the supply margins were smaller than he was happy with! With all the hassle and costs I wish they'd just gone for gas!