Unless you plan to resign yourself to not going out there much in the winter I wouldn’t give up the warm floor. So, get both, or just the boiler and an AC.
This.
The best of both worlds is to run the floor at a comfortable but low temperature, think 20C or so, so it does not raise dust, while heating the air/walls with the split.
That doesn't make them more efficient..
It's also rather hard on the grid. Some local governments here require the resistive elements not be connected // disabled for new housing. That sometimes results in the heatpump being chosen 1 step bigger, but then running at higher efficiency.
Actually, it does as the compressor life is not being wasted. The argument it being "hard on the grid" is ridiculous and technically wrong, assuming the pump is configured correctly. A pump running at too low a temp can absolutely see the compressor take more power than the amount of heat it can transfer. All depends on the unit.
IMO the reason this is being discourages in NL is twofold:
Firstly it is about having an under-sized power generation for winter, with an overextended grid, cutting off even few percent of consumption, however inefficient, when done during the critical winter period is worth it. Even running a heat pump at 110% efficiency to eke-out those last 10% of paper efficiency at the cost of an early death may be the better option when it helps avoid a whole grid collapse. But this is a uniquely Western EU mess from broken grids and too little backup generation capacity.
Secondly, I cannot imagine this being much of a concern in Netherlands of all places. I mean, when was the last time you had a week of continuous -15C as the high temp during day ... if ever. So this rule kinda makes sense in
your mild-ish climate. But not in general/for all climates.
