You hit the nail on the head: it is completely incomprehensible which brain-dead bureaucrats came up with these abominations of regulatory hell, and why these contemporaries are not chained up. I once read that construction costs in Holland are about half of those in Germany, and there is five times as much photovoltaic on roofs there... not because the houses are worse, but because the regulations are simpler and more understandable.
What I find particularly annoying is that the technology is actually not complicated at all. Only this regulatory mania around it makes it seem that way. Nevertheless, I am of the opinion that one MUST deal with it to a certain extent in order to be able to make a qualified decision. Simply out of desperation opting for the minimum standard with gas heating for the building permit is, in my view, far too shortsighted for an investment that is supposed to shelter me for the next decades.
And just by the way (one hardly dares to write it): we received a total of €56K in subsidies. Without any tricks and with less than €15K additional costs for insulation/technology. It’s basically completely crazy...