Obstlerbaum, that was very wisely written and is certainly true. Since you have already decided on Fermo, you have probably also already gained some experience.
They are completely different approaches:
Speidel is an office, they present you with a standard cookie-cutter house design taken straight out of a drawer and then arrange 13 other trades for you, making a separate contract with each one. Included, of course, are the building application, detailed planning, structural engineering, and site supervision. You can certainly choose where the front door goes, but nobody there will make you an individual design, at least not in terms of design. What is remarkable, however, is that landfill and excavation are already included in the standard construction description here. At Fermo, disposal costs about 20,000 euros right off the bat.
Fermo, on the other hand, offers everything from a single source, has its own employees, and a huge company building. They naturally have entirely different overheads, personnel costs from the start, and require a completely different margin and corresponding contribution margins. And there is also an architect who draws your individual house—I assume he demands a fee that Fermo has to pay him.
And yes, there are additional costs with both providers, and I have compared those too. Let that vary at the end by 15-20 thousand.
At the end of the day, however, a difference of more than 150,000 euros remains, and then we come back to the starting point. Is it worth it...