Right, I'll wade in here because I've been down this rabbit hole twice — once on the narrowboat and once converting an old brick outbuilding into a workshop/sleep space.
Stone is an absolute nightmare compared to brick, and brick was bad enough. The thermal mass sounds romantic until you've spent three days trying to get a damp, freezing structure up to temperature in February. The wall thickness gives you nothing for free — you still need to address the cold bridge, the floor, and whatever cursed roof situation you've inherited.
That said, I didn't start from scratch and I don't regret it. What I do regret is skimping on the insulation spec first time round. Went with 50mm PIR boards thinking I was being sensible. Should've doubled it. Now I've got a space that's okay rather than genuinely comfortable.
A few things worth considering before you decide:
- Breathability matters massively with stone — trap moisture and you've bought yourself a rot and mould nightmare
- Internal insulation loses you floor space but is far cheaper and simpler than external
- If the structure is listed or in a conservation area, that'll shape your options whether you like it or not
My honest take? If the stone is in decent nick structurally, the conversion is worth it — character-wise and cost-wise. But don't bodge the insulation to save a few hundred quid. You'll be living with that decision every winter.
Anyone else gone down the breathable lime plaster route rather than PIR? Curious whether it actually performs in a proper cold snap or whether it's just aesthetics dressing up poor performance.