ᐅ Is underfloor heating more efficient with stone flooring or wood flooring?

First of all, although we are currently building, I embarrassingly have very little knowledge about the technical features of our future house. Therefore, I cannot go into too much detail with my question. Our house will be very well insulated in terms of thermal insulation. For heating, we have decided on an air-to-air heat pump and underfloor heating. We are now faced with the choice between oak hardwood flooring or gres stone tiles with a wood-look finish. As far as efficiency goes, from what I understand, the stone floor makes more sense. We are interested in the "comfort experience." Is the stone floor unpleasantly cold during periods when the heating is off and with good insulation, compared to hardwood floors? We are also curious whether the electricity savings from the better heat conduction are noticeable. I understand that without technical specifications this cannot be determined precisely. I am only looking for a rough estimate. Is the difference around 10 to 20 percent, or should we expect a larger difference, for a living area of about 150m2 (1,615 sq ft)? Thank you very much in advance...