Thank you Jumper! I've learned a lot in this thread: mostly a watt is a watt is a watt (thank you solid fuel man)! Honestly, I'm lost here in Toronto, where electric heat really isn't really common like it is in Quebec--and I haven't been able to find good local advice. It's a substantial investment to install radiant, but I think worth it. My place is definitely not 2000 standards. Proper thermostats will probably be the biggest improvement. All my baseboards have knobs that seem to only set at medium and high. I just moved in last winter and am still getting a feel for my electricity bills. It's been a mild winter so far.
If your Toronto townhouse is up to Canada2000 standards, then it doesn't matter.
North York in Toronto has all electric subdivisions. Reason why nobody knows nothing is that there's nothing to fix? Company making liquid filled baseboards was InterTherm in my day. RadiantSystemsInc was the company whose products I used for ceiling height panels. Need an electrician to bring power from floor level. When it comes to comfort a watt may not be a watt. If furniture obscures baseboard then high quality high temperature heat dissipates to lower temperature which may not feel warm unless you crank up thermostat. Radiant heat on the other hand makes you feel warm at lower air temperature.