You are right not to install underfloor heating. The only people that could do that sucessfully in any room bigger than a bathroom were the Romans. But, if you have a useful slave who can stoke your hypocaust then go ahead and install it.
Cavity wall insulation does not in itself make a house warmer. The temperature is determined by the setting on your CH Thermostat. What it definatley does do is to retain the heat so that the house does not cool down so fast when your heating is turned off. This means that you can shorten the ON hours for your CH timeswitch and save loads of money that way. The house is also nice and snug all night. It works even better if you reduce internal draughts by keeping doors closed.
The benefit is lost completely if you (or the wife) tend to leave doors to the outside world open unnecesarily, even for a few minutes.
It does not cause dampness unless you have rooms or a loft that rely directly on the cavity for a draught. This is not likely for your rooms, but check anyway, especially if you have a gas fire.
It is very likely that your loft relies partly on the cavity as well as some soffit vents to prevent condensation. When the cavity walls are filled the air flow through the loft will reduce. You may need to have some supplementary ventilation tiles fitted. Do not underestimate this risk. It took nearly a year for the condensation effect to be noticable in my loft but there was real damage to some items up there.
Get an estimate for this when the insulation man comes to survey your house.
When you're thinking about the loft, put down at least 30cm of insualtion. B&Q and Wikes sell rolls of the stuff very cheaply these days. It's a doddle to install yourself (wear long sleeve shirt and gloves though).
The bast way to keep warm with concrete floors is to put in a thick layer of carpet underlay. Thick felt is better for this than rubber tubular stuff. You may have to fit rising hinges to your internal doors to get them over the thicker carpet.
Do all this and you'll be nice and toasty for the winter. Change all your bulbs for energy savers and you can forget to turn off the kitchen lights with an easier concience too (joke).