I still don’t fully understand
you want to build with concrete, but it must not be visible
an additional full floor was not your intention
saving money was not your intention (especially since it was already suspected that it is even more expensive)
but you believe that concrete is more stable than a masonry house?
what are you afraid of? tsunami? landslide? nuclear bomb?
or is it about the walls being thinner? what advantage does it have if the wall is 30cm less thick?
on the other hand, because concrete has rather poor insulating properties, you need more insulation for it. A masonry wall with perforated bricks requires less thick insulation.
if you absolutely want ETICS, that is also possible with masonry walls
personally, I don’t consider ETICS an advantage either (in my opinion flammable, hazardous waste, not so durable).
why do you already exclude masonry houses or want to avoid masonry works? I still consider that the best option.
maybe you can try to specifically point out again which advantages you see in the concrete variant and why timber frame or masonry walls should not have these advantages as well