Great advice. Thanks to all. The crawl space is pretty tight in some spots and my spray foam guy says he may not be able to get to all the areas. Place will need a new roof shortly so beginning to wonder if the $5000 or more it would cost to spray foam under floor would be better spent on a new insulated roof. A chilly floor can be addressed with a nice pair of slippers.
For heat I am leaning towards a rannai for the majority open area with a few small electrics for individual bedrooms
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