The main and immediate issue here is condensation (cold bridging), rather than heat loss etc.I don't think you'd ever get back even the cost of the tile board in reduced heating costs. It's just not worth worrying about.
The tile backer was to sit between the steel and the plasterboard. It was only a small part of a lintel that would have touched the plasterboard.
Not necessarily no. Some are built using thermally broken insulated proprietary lintels, others are built using two pieces of steel (inner and outer leaf).It's exactly how any wide opening anywhere is built. There's nothing special about it, so don't see the need for special attention.
Not especially no. It may be that it's supporting a flat roof or a ridge beam above, i.e. vaulted roof etc.Is 3.15m unusually long?
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