Radiant is definitely a set it before you need it and leave it there type of heat. If you need quick recovery, you should supplement with another type of heat. The 'recovery' seems to be the key...length of loops, number of loops, number of zones, undesired heat loss out of the slab, size of tank all play a part in that. I had the same thought as you regarding the standby loss of the tank...it's not going out a flue, it's staying right in the area that you're heating. The tankless units are almost a no brainer as long as they're sized to your heat load. The tank units are a bit trickier as the water doesn't heat as quickly and you're paying to keep the water in the tank up to temp even when the system isn't running so you have to be careful not to have such a small tank that it can't keep up and such a large tank that you're heating too much standing water.