If you want to use the basement as a home office, you MUST waterproof it. Otherwise, all items made of paper/cardboard/textile will mold, and the working climate will also not be pleasant. That means digging around all around and renewing the sealing all around. Then you can insulate it at the same time. I fear that will be somewhat more expensive than you estimated, although you can do a lot of the work yourself with a rented mini excavator. In my opinion, the energy consultant should be fired. If you want to use the basement as a home office, you should not heat it just because it is mathematically better... specialists like that are idiots...
The roof is also basically due, did I understand that correctly? Is it only the missing underlay membrane, or is the roof covering also 40 years old and past its prime? If it has to be redone anyway, it also makes sense to insulate there. Although if residential use is not an option at all, the floor can still be insulated. If the roof itself is fine and no use is planned, just insulating the floor is sufficient.
Then you have new windows, possibly a new roof, a dry and somewhat warmer basement (the floor slab is still uninsulated).
Insulating the facade and solar thermal systems upstairs will probably cost you another approx. 50k. You then have to calculate whether you can achieve KfW115 and a subsidy with this. I roughly estimate that it is not worth it and that you are cheaper with the subsidy for individual measures.