Building with a small budget feasible?

Wonderful....for you......for the person not familiar with heating technology, this just gets on their nerves.....

The uneducated user says (in my opinion completely rightly) diffusely-simple "broken" about it when some control thing twitches spasmodically like a fluorescent tube starter a few weeks before death. An essential duty of a standard control system is to satisfy users to the extent that at least the middle ninety percent of customers don’t even ask whether something could be optimized at all. One must neither lose sleep over some switching click nor have to recognize from a consumption bill that the rocket science was calibrated by a drunkard. The desire for a well-tempered home is too close to fundamental rights to require a university degree first. If my needs are "economy," the technology must simply "work" instead of placing "advanced" qualification demands on the user. Essential everyday stuff must not be elitist; otherwise, it’s not progress. Only if I want to be a dedicated avant-gardist as a customer may the equipment make demands on its master.

Well, I have to admit, journeyman E. has actually found a few more explanatory words, but the basic conclusion "Fingers off the control loop" is correct. If a heat pump heating system can’t deliver that, it’s actually not market-ready yet. The customer is not a paying tester. If I am supposed to be a tester, they should give the things away for free.

Before it’s all about heating technology again

They tell the general contractor: Build the house and that’s that.

A colleague from my village:
Saved up a lot of money over the years while waiting to be allowed to build on her father’s field. Picks a captain’s house from the neighboring village’s general contractor and has it set on the plot without changing anything – no additional terrace doors, no orientation changes. 2x solar panels on the roof, nothing else. Now she has the entrance and the small side windows of the bathroom and utility room facing south, the garden towards the cornfield. If she had just rotated the house once, you could have had something to drive onto from the gable and a somewhat more sensible orientation, also towards the cornfield. Recently she told me that her old stereo recorder, which always runs while showering, broke down… that honestly confused me. At a time when USB plugs are installed, music is streamed, or radios are built into the bathroom, she has apparently completely foregone such things. The colleague is in her mid-30s and treats herself to a new fancy car every 2 years – so she’s not unrealistic. But quite satisfied with the standard :)

We are sitting in the living room right now and the radio is playing quite analog on the stereo receiver from our youth, an indestructibly built Yamaha device with Canton speakers. One should also ask oneself what all the new things are actually better at! Our friends let Alexa eavesdrop on them, spend a lot of money on some Spotify and Netflix contracts, just calculate the annual sums, while Karsten and C. buy CDs quite classically for his wife or listen to the radio, yes, and some people have to change something about everything to make it their own, although a car, house, etc. in [standard] can be so well thought out that any change becomes unnecessary. K.

One should also ask oneself what all the new stuff can do better!

For example, less space consumption: since I no longer hoard books and the CD collection no longer grows, there is a decent gap in the sideboard. Also, the missing receivers and gadgets would be dust collectors, thus time wasters. We listen to radio or rock from somewhere with small speakers everywhere, even on the terrace and without having to buy the CD :D

while Karsten and C. his spouse buy CDs in the classic way

Those can also be added together in terms of value ;)

The thing is, a heat pump is not a gas heating system that forgives incorrect settings over the years.

I realized that through the many threads here in the forum.
That's exactly why I am not installing one in the new house either, also because the mentioned surroundings and the risks you mentioned would annoy me.

Therefore, you should have had a gas heating system including a gas tank installed to be happy.

As the man said in the Nescafe commercial? "I don’t have a car... uh... heat pump."
Where I currently live, there is a gas tank in the garden and the mentioned mediocre underfloor heating runs in the apartment; I had no influence on either. Due to various profound events, we decided on an actually unplanned new build. But there is no gas supply there, and I did not want to install liquefied gas, nor a heat pump after a long study of the topic. However, this by no means expresses a general judgment against heat pump technology, we just did not want it for ourselves.
Therefore, we are installing infrared heating with a wood stove, which I am very much looking forward to because I find the concept exciting. You should read a lot and search for suitable information and service providers for this, which I have done.
At the same time, I also know that I will probably receive little approval or a lot of doubt here, yet I believe it suits us individually.

to be happy

... I would not expect that from a heating system; being pleasantly warm is enough for me.

you should have taken an example from Karsten.

... I absolutely agree with this example from !

I am not a heat pump prophet or lobbyist here either, but someone who noticed in the 2nd winter that the compressor started more than 60 times a day and thought that was strange, so I had to read up on how it all actually works and that the heat pump would break down in the next few years if I did nothing.

I completely understand that, and in this case, I would certainly have acted the same way. You suspect contradiction where there is none.