Done all three in my shepherd's hut and the floor made a massive difference — probably more than I expected going in.
Stone walls are brutal for cold because of the thermal mass, but once you've sorted the walls and roof you'll notice the floor is where all the residual chill comes from. Standing on an insulated floor versus bare stone/concrete is night and day, especially in a space you're actually living or sleeping in.
What I did:
- 50mm Celotex laid flat
- Tongue-and-groove OSB on top
- Finished with a thin floating floor
Total floor rise was only about 65mm which was manageable given my door clearance.
The counterargument I've heard is that for occasional-use spaces the thermal mass of an uninsulated floor actually helps store heat from a wood burner — there's some logic to it if you're heating the space for hours at a time. But for a cabin or hut you want warm quickly, insulate everything you can reach.
One thing worth mentioning — damp. Stone outbuildings often have rising moisture and if you lay insulation boards straight on a damp slab without a decent DPM you'll create a condensation problem underneath. Learn from others' mistakes on that one 😬
What's your subfloor situation like — original stone flags, concrete slab, earth? That'd change my advice a bit.