Floor insulation is massively underrated in these builds and I'd absolutely go overboard on it.
Cold rises from the ground far more aggressively than most people expect, and unlike wall or roof insulation, retrofitting floor insulation later is essentially a full rebuild job. You only get one realistic chance at it.
In my motorhome conversion I made the mistake of going minimal on floor insulation to save headroom, and I've regretted it every winter since — cold feet, condensation wicking up through the structure, the whole lot. Don't repeat my error in a static build where you've got no headroom constraints to worry about.
For a 4x3m cabin specifically, I'd suggest:
- Treat the ground — DPM down properly, overlapped and taped
- Minimum 100mm rigid PIR (Celotex or Kingspan) between joists
- Second layer of 50mm PIR laid perpendicular to break thermal bridges through the joists
- 18mm T&G OSB or ply on top, glued and screwed
That cross-hatched second layer makes a genuine measurable difference. The joists themselves conduct cold surprisingly well if you skip it.
Also worth considering — if there's any chance you'll want underfloor heating later (even a small electric mat for taking the edge off on Monday mornings), now is the time to run conduit or even lay the mat itself before the floor goes down. Adding it retrospectively is miserable work.
Total additional cost over a basic build is maybe £150-200 in materials for a footprint that size. Over a 10-year lifespan of using the office, it's essentially nothing.
What's the cabin sitting on — bearer joists over gravel, or a concrete slab? That