Dear TE,
personally, I wouldn’t build bigger either in your place; especially since 130m2 is completely sufficient. I would take the offer from the other party to have the offer checked and accept it here as well. We dealt quite extensively with new builds the year before last and last year and also had offers from various house builders (110m2 about 280,000 with supposedly "everything"). But since I’ve been reading a lot here, I think we would never have made it with that. In the end, we bought and renovated an old building, so I can’t contribute any experience there, but most others here have, and they almost all agree: all-inclusive basically almost never exists, and it almost always gets (much) more expensive than planned. I think gas heating with radiators is okay. If you don’t want to and can’t spend much, you have to make compromises. By the way, we also only have gas heating and even after the renovation we don’t have underfloor heating anywhere (the gas heating was already there and stayed). With a new build, we wouldn’t have saved on heating and underfloor heating, but as it is now, it suits us as well. So it’s possible to get by with a simple standard, you don’t have to build in every way possible to be happy.