The child is therefore in daycare until around 3 p.m. Your girlfriend might work until 12 p.m., then spend two hours commuting (because each way takes 25 minutes) and then take care of the child because you work full-time. In the evening, do you go to the construction site with the child? Or just you? Or only on weekends?
How many hours are you estimating for painting the facade, doing the walls, laying floors, installing doors, possibly still adding the OSB, installing interior/exterior window sills, founding and assembling the carport with the family, creating the base sealing and drainage – did I forget anything?
The buffer is actually there to compensate for things you forgot or that became unexpectedly more expensive. What else have you mentally planned for? What about the kitchen and possibly new furniture? Lamps, curtains, fly screens, ...?
The most important thing is that you are honest about your numbers, planning, and above all your available time for everything you want to do yourselves. That your girlfriend wants to do most of it herself and you, if at all, can support her – how do you imagine this working in practice? Have you done anything like this before?
DIY work unfortunately is not a given... The child gets sick, care is limited during the holidays, vacation is limited and every small family needs rest. Keep this in mind if you don’t want to move in a whole year later (which costs significantly extra!)
Speaking of extra costs: How much double burden have you calculated? The home builder usually wants their money between the down payment and departure. The longer you take with the DIY work (and also charge material costs for it), the more expensive it already becomes. Can you buffer that?