I thought same, but budget wise it doesn't compare with buying the bits separately.
25mm PIR and 12mm ply came to mind, but doesn't have the benefit of t&g unless biscuits are used or a slotted equi
(It will if you don't use multifoil - you can use PIR for a perimeter too)
Have you considered installing UFH work area?
Come up an entire step? How much headroom have you got elsewhere?
No, I haven't got too much headroom , but I think I can make it work just around 50mm height. The original floor covering (removed by seller as filthy) must have had some height so the extra should be doable. I 'm not having UFH , I'm eligible for energy upgrade but not with UFH only radiators, mysteriously. For the perimeter PIR do you put that behind the skirting?