We initially also planned to build without a basement. However, we now think differently.
Due to our plot of land with a slight slope (approx. 1.5m diagonally across the house area), the contractor quoted us an extra cost (foundation shafts) of about €10,000 for the slab. As an option, a 65 sqm full basement was offered as a "development variant" for €35,000. If I offset the otherwise necessary foundation shafts, then about €25,000 remain for the basement. Certainly, it is not fully developed, but it is OK for technology, utility room, and storage room and can be further developed later if needed (possibly an office or similar). Additionally, we can reduce the living area from otherwise 150 sqm to 130-135 sqm, and then there is not much difference left.
A partial basement would have been sufficient for us as well, but it does not save that much and has technical disadvantages (wall accessibility, house settlement behavior). Basement under the double garage was also considered. However, for us, it is not much cheaper than the above-mentioned variant and is less valuable.