Beno, please excuse the long winded story,
It seems that I have a little bit of all the different options facing you here in my place. My home is a 3 bedroom ranch with attached 2 car garage, finished basement. When I built the house 22 yrs ago fuel was $1.20/gal when construction started, by the time I got my first oil delivery, it went down to $.39/gal. Some things never change. My heating system was originally going to be a solar assisted ground source heat pump, but that was over $10K back then. On my main floor I decided to just go with baseboard hot water heat. My dream was to have a finished basement, and my garage would never see a car parked in it. Both the garage and basement had to be heated, and that was going to be radiant. Nobody anywhere near me on Long Island had ever heard of anyone using radiant heat in the '80s, the last known radiant heat was in Levittown and that was a disaster, the originals had iron piping, the later designs were copper, both were nightmares. When I built my house no plumbing supply house here in NY had plastic tubing namely polybutylene, the stuff that class action suits are made of. At that time there were no lawsuits because problems didn't arise yet. Everywhere but NY polybutylene was legal for domestic water supply, so I had to have a 1000' roll of 1/2" poly airfreighted to me by my plumbing supply. The tubing is laid in the middle of my concrete which is 4" in the garage and basement, ty-raps hold the tubing to the 6x6x10ga wire reinforcement. This was the best thing I've ever done, it is the most comfortable heat in my house, and I don't use mixing or tempering valves, water runs through @160-180F. At that time there was no such thing as cross linked polyethylene tubing. If you are going slab, there's no other way. Although it take quite a while to get to temperature, once there it stays. My boiler combo has worked well for all those years without any major problems except for my steel boiler rotting out this year. And here's the kick, when my boiler was removed this summer I heated my DHW witha a small wall mounted point of use electric 115V water heater, it served as my boiler. My water heater is an indirect water heater, it's an Amtrol Boiler Mate Hot Water Maker, although not the most insulated, (it was 22 yrs ago), the new units surpass it temp loss ratings. With just my wife and me all of our hot water needs were met using this little water heater as my boiler. My hot water maker holds 41 gal, and the little electric "boiler" diligently made it's hot water at night and when we were at work. The unit is rated at 7 gal of HW an hour, but that's at 53 degrees F. When you're using it in a closed loop you're only losing maybe 20F in transfer. Some of my friends have garages with radiant heat in them and I used 30gal electric water heaters for heat, they work great. Radiant heat is slow transfer, especially in concrete, so electric water heaters can work albeit they run continuosly.