Indeed.
What is the intended finished floor surface? If carpet or wood based, I wouldn't use UFH at all.
Certainly. Personally, if I really wanted UFH heating in there and there really was only a choice between 6mm and 0mm insulation, I would still go for the 6mm. Note that 10mm boards are the same price and the additional 4mm is worthwhile.
What you haven't considered is that if the insulation is adequete, then the wall temperature will be much higher. Provided the ventilation is up to spec, which seems to be very much the case with heat recovery ventilation mentioned, then the relative humidity at the vapour barrier will be much less than 100% and no condensation at all will occur. As the temperature drops through the insulation, what little air (with closed cell insulation) that gets through will be very low in absolute humidity due to the vapour barrier, so no interstitial condensation will occur there either.
Christian.