It is also possible to live without underfloor heating.
The question is what do you sacrifice to stay within budget. I personally find it unpleasant to build a house for 400k€ and not even be able to afford [Rollläden]. It’s not about the loss of comfort or the annoying [Rollläden] themselves, but that I spend a lot of money and don’t get what I wish for.
Even the many square meters wouldn’t comfort me. Because I wouldn’t have money for reasonable window sizes. And if you then work with many fixed elements to achieve the look, you don’t have money left for shading the window areas.
...and this issue runs throughout the entire house.