Another generalization. Of course, we have calculated everything including investment. Our trench collector + brine/water heat pump investment is practically not higher than a gas system including the required gas connection, chimney, and solar thermal (probably the biggest nonsense) .... The trench collector costs us <3,000€ with a BAFA subsidy of 4,500€ ... and additionally significantly lower monthly costs... and also KFW funding... It is not only positive over a 10 or 20 year period, it practically pays off from the first minute....
But as I said, this is our individual case! Anyone who wants to build nowadays without controlled residential ventilation, I do feel sorry for them, but of course they save 10,000€ right away. This is accordingly not included in our investment since it is mandatory for us anyway, regardless of the KFW standard.
Almost everyone wants to sell condensing gas boilers... sure, here you can hardly make any mistakes in the design. For every heating technician it is probably the easiest option, even TGA planners love this possibility... if it is poorly designed, you simply raise the flow temperature arbitrarily... who cares about efficiency anyway