we had an electric pad fitted under our kitchen floor, it has been brilliant, much much better than I expected. We no longer bother turning on the radiator in that room, and the dog and cats love it! I can’t tell you how much it costs to run, this is the major consideration against it I’d imagine. As for maintenace.. there is none, it either works or dies – they should have had a guarantee, ask about that.
We had tiles laid directly ontop of the heating pad, I’d suggest this is normal and your risk damaging the pad by ripping up the tiles (one bit of damage will kill the whole pad), let alone trying to get it flat enough for carpets afterwards.