With solid/prefab there is no combinable. [...] So I thought you always distinguish either a prefab house or a solid stone-on-stone built house (with or without ETICS).
That’s what you’re here for, to learn something ;-)
"Massive" and "finished" are terms from the marketing confusion talk of the providers. With the adjective "massive" they want to emotionally suggest that only in a stone house the three little pigs could have defied the big bad wolf. With the adjective "finished" the wood frame panelers snap back and polemize with the image of the few weeks between the delivery of the wall panels and the arrival of the furniture van’s predecessor.
The cheap trick of invisibly completing the shell construction at the building site in a secret place beforehand (Jean Pütz would have said: "I have already prepared something there") cannot be done only with wood frame panels. But also with concrete panels, lightweight clay panels, or even stone-on-stone with porous bricks.
Likewise, solidity means nothing other than that the material structure is "solid" — which strictly speaking is even truer for the solid wood house (not to be confused with solid wood) than for masonry with porous bricks (due to the hollow chambers) or aerated concrete (basically a rigid foam). Home builders are private purchase decision makers: they are driven by emotion, and salespeople know how to exploit that. Viewed soberly, no construction method is the messiah, but neither is any of them the flood.
My personal amusement about the apprentice joke of pimping load-bearing interior walls with a Wonderbra to also use them as exterior walls, I assume here to be known. Incidentally, the wall structure of the typical wood frame panel "finished" house could also be called a "thermal insulation integral system" in marketing newspeak, since there is sort of an intermediate stud insulation installed there.
The wheel has not become any rounder over the millennia, thinking away the emperor’s new clothes: one ultimately only builds the house of Nikolaus either way, even if it is the house of Nikolaus Diestelmeier from the savings bank advertising. 2.0, 4.0, superior enhanced blue turbo: eye wash, the core of the matter always comes from the same transverse or longitudinal construction kit. The job of marketing is only to obscure that industrial products are also only cooked with water.
Maybe we can exchange ideas about this via PM sometime.
You know what a relay station is.