Another Thought…

[Dodgeman]

JB,
The concrete floor really isn’t that much colder than the air, it’s just that it conducts the heat away so well. My point is that it could be that carpet alone may be enough insulation to give that nice warm feeling to the floor, thus saving the additional cost of insulating padding, etc.
One more thing, if you have a forced air system, try to get a cold air return from the floor level back to the furnace.
Just my 2 cents worth. (the makes 4 cents today)
Regards,
Dodgeman