I was at a newly built (something)haus recently, it had 400mm roof insulation, 300mm wall insulation, triple glazing and heat recovery ventilation. It was recommended to be built without any heating - the owners weren't so sure and had underfloor installed. The owners had chatted to other owners, who claimed they only needed a fan heater on downstairs for a few minutes to warm the entire house. It had a very high, pitched roof whose apex was above the entrance hall. On a very hot day, windows in the apex were open and with the patio doors also open a cooling flow of air kept the place comfortable.
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