You only skewed the air leakage numbers to the high side. Your wall U-factors are MUCH lower than reality. The thermal bridging is the framing- the studs & plates, headers, jack studs, etc which all add up to about 25% of the surface area of the wall. A 2x6 stud on edge using most midwestern framing species runs only about R6.5, which is a heluva lot less than the fluffy stuff between the studs. And an R19 batt performs only at R18 when compressed to 5.5" (the depth of a 2x6 stud bay). With 25% of the area having about 3x the thermal conductivity of the other 75%, there's about as much heat flowing through the framing as there is flowing through the fiberglass in a typical 16"o.c. stud wall, which lowers the average performance by quite a bit. If you assume the exterior sheathing & siding and inteiror gypsum adds up to about R1, and you allow another R1 for the combined interior & exterior air films it comes out to about R14-R14.5 for a "whole-wall R", the average performance, and the U-factor is the inverse of that:
1/R14= U0.071
1/R14.5= U0.069
Reality will be somewhere in that range, unless you have insulating sheathing, a rainscreen siding stackup, an unusually insulating type of siding, or if the studs are 24" on center or something.
The Buffalo Board is fiberboard sheathing, which is about R1- R1.5 better than half-inch CDX or OSB and more water resilient, and more permeable to water vapor, which means it letsl the wall dry toward the exterior, which is a good thing. (Half inch fiberboard adds about R1, and 3/4" fiberboard adds about R1.5 above what it would be with half-inch plywood.) If it's not warped beyond recognition and isn't pulling off the nails, don't swap it out for OSB/CDX, since the OSB/CDX are vapor retardent, and will take on a significant moisture burden over a Fort Frances winter. You can seal the seams & edges with duct mastic when you have it open, which will cut down on infiltration.
If we add R1-1.5 to the whole-wall to account for fact that it's fiberboard rather than plywood your new-improved wall U-factor is roughly
1/R15.5= U0.065
1/R16= U0.063
That's better than a plywood sheathed wall, but still a lot more wall loss than the U0.05 you had used.
Most argon-field single-lowE windows run about U0.32-0.34, not that it makes a huge difference. Condensation on the window is an indication that it's actually cold outside, and that you either humidify the place (actively with a humidifier, or passively by cooking pasta without a lid on the pot, or taking long showers without using a bathroom fan.) Unless there is fog on the inside of the sealed panes, the panes are still doing their job. A low-E window with a broken seal and air instead of argon will still operate at U0.37 or so.
Oversizing the radiation is fine, and beneficial for condensing efficiency, since it can deliver the heat at a lower temperature. But the oversizing has to be proportional in each room, so getting the load numbers as accurately as possible from the get-go is the right approach. Be aggressive rather than conservative when it's an unknown (such as the actual air leakage) and you're more likely to get it right. It's only human to skew to the other direction, but that's always a mistake (ALWAYS!).
Run the load numbers realistically, but as aggressively as possible. (You at least have to get the U-factors in the right range, which you don't.) When it comes time to size the boiler and radiation, use ASHRAE's 1.4x oversizing recommendation as the absolute upper limit. eg: If the load numbers come out to 47,000 BTU/hr you don't need anything with an output more than 1.4x 47,000= 65,800 BTU/hr even during the coldest night of the decade.
With condensing boilers try to design the radiation so that you don't need an average water temp greater than ~140F at design temp, in which case it will be in condensing mode most of the time. It's nearly impossible to oversize the radiation to where it can't work, but undersizing can be a problem.
Say a room has calculated load of 2200 BTU/hr @ -23F. If you upsize the radiation 1.4x, you'd be at 3080 BTU/hr. If you used the 180F output of say, a
Biasi panel radiator , the B-24.16 ECO would about cover the upsized number at 180F, but would come up a bit short with only 1,836 BTU//hr, but close enough that it's probably the right radiator for that room. If you sized the radiator for 3080BTU/hr @ 140F you'd take the B-20.32 ECO or B-12.48 ECO, which would pretty much guarantee that you'd be running in condensing mode 95% or more of the time once you have it all dialed in. To be conservative never size it for it's 180F output at the lower, unscaled number, only after the 1.4x scaling factor. THIS is the right place to oversize "just to be sure", not at the heat load calculation point. If it's sized for the 1.4x scaled load at 140F it will be guaranteed to heat the place, even if there have been errors of omission/commission and it actually needs 150F water.
You could also use
fin-tube baseboard to save money in rooms you don't really use much and comfort isn't a premium, or reuse some antique (or now) cast iron, taking care to
estimate it's output at 140F, not just 180F (or 220F).