C.K.
I grew up in a two story house and the upstairs bathroom floors were always warmer than the downstairs.
I prefer wood floors in the bathroom and put a large soft rug in front of the shower, but not the toilet. Less expensive and a little softer are peel-and-stick linoleum floor tiles. They come in a huge variety of colors, sizes, and designs. I have them in my kitchen, and haven't had any problems with them. Both wood and the linoleum are easy to clean and last a long time.