You can buy the foam version of warmboard for a loooooooot less. It's 1" thick tho, I think warmboard is thinner. But the foam still has the grid and everything. Wait till you are ready for a new water heater, then get a combi for sure. All my stuff is in floor heat, and I heat 3500' of house and 4000' of shop for 120-140 month in the winter. Also, nice bit of info, frontier supply will get you all of your engineered drawings, and design your zone system for you FREE if you buy all your supplies from them. Saves you about 1500$
If not going in floor, get the reflectix insulation and tuck tape seams, then do floating floor over it. Did my last house which had an unheated half basement. Works amazing, but kinda pricey.
when did frontier supply you,