[dusty mears]

definitely will be colder / drafts. if it's ground floor without cellar below, you wont be able to insulate below. what might help if you do decide on timber floor is to use clear silicone sealant to fill the gap between floor & skirting. i've got timber floors upstairs but put rockwool insulation under. made a massive difference in the bathroom just insulating it before i could sort a carpet out - was a wee bit drafty round the ankles !!