Soma de valores de checkbox/radio em JavaScript

Front-end JavaScript
#1

Bom dia galera, estou com um problema aqui. Preciso somar checkboxes e radio buttons para criar uma página de “estimativa de investimento” no site da minha empresa. Consigo somar/subtrair os valores dos checkboxes, contudo os radio buttons são somados sempre que clicados, e nunca são subtraídos.
Segue o código:
HTML:
`

    <label>1,00 <input type="checkbox" name="ch[]" value="1,00" /></label>
    <label>2,00 <input type="checkbox" name="ch[]" value="2,00" /></label>
    <label>3,00 <input type="checkbox" name="ch[]" value="3,00" /></label>
    <label>4,00 <input type="checkbox" name="ch[]" value="4,00" /></label>
    <label>5,00 <input type="checkbox" name="ch[]" value="5,00" /></label>
    <label>6,00 <input type="checkbox" name="ch[]" value="6,00" /></label>
    <label>7,00 <input type="checkbox" name="ch[]" value="7,00" /></label>
    <label>8,00 <input type="checkbox" name="ch[]" value="8,00" /></label>
    <label>9,00 <input type="checkbox" name="ch[]" value="9,00" /></label>
    <label>10,00 <input type="checkbox" name="ch[]" value="10,00" /></label>
    <label>10,00 <input type="checkbox" name="ch[]" value="10,00" /></label>
    <label>10,00 <input type="checkbox" name="ch[]" value="10,00" /></label>
    <label>10,00 <input type="checkbox" name="ch[]" value="10,00" /></label>
    <label>20,00 <input type="radio" name="ch[]" value="20,00" /></label>
    <label>30,00 <input type="radio" name="ch[]" value="30,00" /></label>
    <label>Resultado <input type="text" name="result" id="result" value="R$ 0,00" style="border: none; pointer-events: none; font-size: 3em;" readonly/></label>
</body>`

E agora o JS:

`String.prototype.formatMoney = function () {
var v = this;

            if (v.indexOf('.') === -1) {
                v = v.replace(/([\d]+)/, "$1,00");
            }

            v = v.replace(/([\d]+)\.([\d]{1})$/, "$1,$20");
            v = v.replace(/([\d]+)\.([\d]{2})$/, "$1,$2");
            v = v.replace(/([\d]+)([\d]{3}),([\d]{2})$/, "$1.$2,$3");

            return v;
        };
        String.prototype.toFloat = function () {
            var v = this;

            if (!v)
                return 0;
            return parseFloat(v.replace(/[\D]+/g, '').replace(/([\d]+)(\d{2})$/, "$1.$2"));
        };
        (function () {
            "use strict";

            var $chs = document.querySelectorAll('input[name="ch[]"]'),
                    $result = document.getElementById('result'),
                    chsArray = Array.prototype.slice.call($chs);

            chsArray.forEach(function (element, index, array) {
                element.addEventListener("click", function () {
                    var v = this.value,
                            result = 0;
                    v = v.toFloat();

                    if (this.checked === true) {
                        result = $result.value.toFloat() + parseFloat(v);
                    } else {
                        result = $result.value.toFloat() - parseFloat(v);
                    }

                    $result.value = "R$ " + String(result).formatMoney();
                });
            });


        }());
    </script>`