I would insulate either wooden or concrete substrates.
1) I wouldn't want to warm the chipboard or ply floor. We all know timber dont react well to temoreture chantes.
2) The purpose of UFH is to warm the top, finished covering. Make sense to spend the little extra over concrete to ensure it works as efficiently as possible. If its losing heat into a big slab of concrete itll never reach desired tempreture.
1) I wouldn't want to warm the chipboard or ply floor. We all know timber dont react well to temoreture chantes.
2) The purpose of UFH is to warm the top, finished covering. Make sense to spend the little extra over concrete to ensure it works as efficiently as possible. If its losing heat into a big slab of concrete itll never reach desired tempreture.