If you haven't just won the lottery, I would always first clarify what the financial maximum is. At least roughly. Otherwise, the home builder won't know what they can offer you.
I understand that, Katja, and no, "unfortunately" no lottery win! But since I come from the commercial field, I know that if the client has 400k available, it will also be spent. I personally think it’s better to first clarify your minimum and then decide, as zaba wrote, whether more money should be invested in certain things because it’s for life! I personally think that since everyone has completely different ideas of good equipment, prices therefore also vary extremely. Just saying!