If your garage is included, and you want your car to be reliable and take the chill out, zone it at 55 - 60 deg. F. Work and exercise rooms can be cooler. Basements , full or partial living areas can be zoned appropriately. Non-living areas may be zoned lower, yet still keep the dampness out. Keep in mind that each zone adds to the installation cost.
Many houses get by with only one or two zones.
But remember , some zones, like the solar gain areas are a must. In most cases, not. Because of the low water temperatures involved, and surface temperatures typically designed for maximums around 80 deg. F., most materials are not affected. Be safe and contact the representative supplying your floor coverings, if in doubt.