I've got laminate in my basement and we put in pretty thick stuff as well as putting in the plastic dimple stuff to create an air gap.
https://www.homedepot.ca/product/dmx...2-0/1001513953
I don't really feel the floor is overly cold but I wouldn't call it warm either, it's still a hard floor.
We did in floor heating in the bathroom only.
Could use area rugs overtop laminate/vinyl as well.