In regards to how long it takes for 180 water to get somewhere, using 4 feet per second it will cover 100' in 25 seconds, 6 ft/sec = 16 seconds. If it takes a long time for hot air to come out of the ducts, slowing the fan speed will fix this. Too must air velocity will cool before it gets a chance to heat sink everything. This is why all the new high efficiency multi stage or I furnaces run most of the time at low speeds. Some run 24/7 constantly and slowly circulating air without feeling or hearing it. This eliminates cold spots and drafts.
Determining head at different GPM flow is hard without a K value or TEL total equivalent length of pipe, because as flow increases head increases exponentially. Seen on most head loss per foot per GPM charts. Mr. Pex for example. Most flat plates are designed to have low head loss. 500,000kbtu or 51gpm and 7' of head is very low. If slightly oversized your always on the safe side. You would have to have some bad water conditions and some extremely slow water to worry about build up issues. Flow rates much lower than you will ever see, less than 2' per second. Down time is where most of it happens and exactly why some controls have an excercise function built in to prevent exactly this.
Finding a qualified place to do a real hydronic design must be real hard with 23 Ferguson plumbing,HVAC & Hydronic supply locations in Kentucky , 26 locations in Tennessee and more in IN,IA,MO,AR,OH and so on. I guess it shouldn't surprise me that Lowes was your first thought/option. Especially when you throw around numbers that are FAR from close or accurate. When someone quotes $40/ft prices for underground pipe that anyone can buy 1.25" dual pex flex for $16.00-$18.00/ft or 1.5" logstor dual for $22 or single pipe logstor 1.5" for $12.00/ft =$24/ft for both S&R runs. Do you do that to scare people or because you just don't know cause you've never bought or quoted it. Those are over the phone quotes to anyone, not contractor dealer costs. 85 watts versus 125 watts?

You must of meant 33 watts for a small 15-58 and 240-320 watts for large pumps. $75 pump (common,easy to find) versus $350 pump.... $30-$33 per year versus $290-$340 electricity usage. A small reliable application and one stressed and way over any recommended specs. I've done all kinds of radiant systems, but I still have an engineered plan done every time to ensure the customers investment is properly installed and working. I don't learn on the job at their expense