...with underfloor insulation, it'll be warmer in the colder months...but also warmer in the summer months.
Unlikely to pay back unless you plan on being there a long time...
Just finished reading through your thread. Nice build and attention to detail.
Just an observation…it does not appear that a vapour barrier was installed over the insulation prior to installing the sheetrock (post 146)…? Is this not required in your building jurisdiction?