I can't get on HD site right now but I'm pretty sure I know what you're propossing. I built a basement suite a few years back and the homeowner installed the flooring the way you are looking at, minus the insulation. The subfloor being gapped from the concrete by the dimpled plastic is pretty good at keeping the floor from being too cold. They put laminate on top. Saved some money over dricore and got the same effect. The only thing with layering materials yourself is there is no bond between them and you can gets some squeeks and sponginess in any spots where the concrete has uneveness.
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