This is excellent advice. Buildings built properly today with these principles in mind do not need complex and expensive systems like geothermal and even radiant to be comfortable. A residence can be easily built in any climate the can be heated/cooled primarily with mini split heat pumps at cost a fraction of any of the systems mentioned in this thread. The money can be spent on insulation and then renewable energy to approach net zero rather than forking out thousands on systems that still required you to buy the energy.
Well, radiant is not an expensive way to install heat in a home if it's simply PEX tubing buried in concrete. Second, it's not complex either. Third, it is the most comfortable heat delivery system there is. There is no way a mini-split system will match the comfort of a radiant floor. As far as whether it's geothermal OR radiant, as the OP asked, I'd like to point out that radiant is the best way to deliver Geothermal because radiant operates at the lowest temperature.
In my case, I did not need air conditioning, so that is not a factor in the cost. But if it is in your case, you might be able to go with a simple, one zone system that will make it worth it. I understand combining the heat and cooling into the same ductwork seems like a savings, but when walking around on a cold floor, you'll definitely be wondering if that was the right choice. The mini-split is efficient, but the floors are still cold.
Geo-thermal is appealing, but it is also an expensive and complicated system when compared to a simple active solar system delivered through in-slab radiant. I chose an oil boiler to make up for extended periods of bad weather with limited solar. This will still keep the radiant heat working. But in my case we never needed it last winter and ran on 100% solar. I don't like propane, but a small occasionally used propane boiler would be a fine backup too.
It's sad when builders tell their clients that they'll need supplemental heat because the radiant won't be enough. Hogwash. My clients have told me the radiant is their favorite part of their new house. No one with radiant chooses to use backup forced air systems.