Prejudice from the 60s!?
Later. It was already in the late eighties when the general contractor industry (in my opinion unfortunately) moved away from the standard model houses. However, I have the impression that the trend is currently moving back in that direction; in any case, I keep seeing the same seventeen-and-a-half "different" alternative villas (and as for the bungalows, not many more either). Even with the captain’s houses, I sometimes only distinguish the Viebrockhaus from the Gussek Haus by putting on reading glasses.
And even if generalized, without 25 years of professional experience, I tend to claim that for a layperson without "special demands," building with an architect ultimately turns out to be more expensive rather than cheaper.
My experience in generalizing doesn’t even have 25 years under its belt, but my experience in construction matters is significantly longer—and it says that working with a separately commissioned architect will only become more expensive if you make major mistakes (for example, the "often gladly taken" mistake of trying to act as your own contractor with the approval planning in hand as a layperson).
At least you have a certain price guarantee over a specific period in advance (e.g., 12-24 months fixed price guarantee), which you do not have when building with an architect.
On this point, I have to agree with you partially: "in advance," you used to have a price guarantee with direct general contractor commissions (by the way, the same whether stone or wood frame panel GCs). But naturally, even with tendering, the bid prices are fixed (not for an entire year, but when starting and progressing promptly).
By the way, I see the relatively greatest risks (in favorable costs and execution) where clients bring their Sweet-Home-Sims houses to a GC (and in second place: when they instead bring standard designs from other GCs).