I really value the opinions of experienced civil engineers because they often have a lot of expertise and have completed many constructions. However, they are not structural engineers, soil surveyors, or civil engineers. Their recommendations are based on experience and sound know-how. This is usually worth a lot, but ultimately no one will take liability for it, so I would be very cautious. Even the civil engineer cannot say with 100% certainty what will happen in 20 years. Sand layers are always a bit tricky. Basically, they are super resistant under pressure and absolutely uncritical. But as soon as water comes into play, it can become critical. Therefore, from here, it cannot be said if your civil engineer is right or not. Ultimately, you take the full risk if you do not follow the soil report.
Personally, I also wonder how much soil replacement is done nowadays. I can hardly remember the last time I saw an excavation without at least 40 cm of soil replacement. Much of this is, in my opinion, increased perceived safety or double security for the architect/structural engineer. Nevertheless, in many cases, it is financially a manageable amount. The civil engineer is only moderately pleased about it because this is not usually a position where a lot of money is earned and additional equipment is needed on the construction site (mini excavator, compaction roller, etc.).
What I do notice about your data: If you are digging 2.1m of substructure under your house, have you ever thought about a basement? It can be interesting price-wise and maybe the garage could even fit in there. It always pains me to see mountains of expensive fill built up to build bungalows on top.