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We are getting photovoltaics and ST and also FB but no storage.

Ah, is that enough for KfW 40 Plus or do they insist on storage? Have you applied for the 10,000 houses program? They don't need photovoltaics for KfW 40, they have a passive house. That's why there is no underfloor heating either. They want photovoltaics eventually and then with storage. Without it, it's unprofitable. At the moment, only the fridge and freezer need electricity, even the air-water heat pump switches off and only runs at full load at night from about 1 a.m. and from 6 a.m. for about 2 hours.

Ah, is that enough for KFW 40 Plus or do they insist on storage?

The storage is a requirement for KFW 40 +

Want photovoltaic at some point and then with storage. Without it, it's unprofitable.

Exactly the other way around.
A photovoltaic system is profitable even with 100% feed-in, provided you don't end up with a slacker. Self-consumption is just the cherry on top.
However, the apparently planned solar thermal system cannot be described like that. I would leave it out if possible, or if there is not a particularly high hot water demand (pool, ...).

We have good experience with the ST in the family and therefore want it as well. Even with relatively little light, you always get enough warm water; especially in winter, when the photovoltaic system simply does not generate enough electricity to cover the water heating and electricity consumption. With a sufficiently large water storage tank, it is practically like an energy storage. For us, it is especially important to be as self-sufficient as possible, not so much when the investment pays off. In summer, we will pass on our excess electricity to my mother before feeding it into the grid (you don’t get anything for it anyway).

You can currently forget about storage. Too expensive for too little storage capacity. I will always remember the presentation at a trade fair where the speaker had 3 or 4 logs lying next to him and said: would you pay a few thousand euros for that? That is roughly the energy yield of a 10KW storage battery... Everyone could really imagine how long and well you can heat with electricity from the storage. And electricity cannot be stored forever; I can’t charge my battery in summer to use it at Christmas.

We will not get an air-to-water heat pump but geothermal energy. Again, a proprietary development of our home builder that convinced us: the coils are laid under the floor slab; in summer, when you have excess electricity, the surplus energy (or at least part of it) is fed back into the ground, which can then warm up again and acts as a long-term storage. This prevents the cooling of the ground. At first, we were not so convinced about geothermal energy because we have the experience of an acquaintance who has geothermal loops in the garden. That means I am not allowed to plant anything deep-rooted and after 8 years, you can very clearly notice in spring that his garden still has snow longer than the neighboring gardens. The soil is therefore significantly cooled down. But with the soil activation through summer, that problem should be obsolete. And the basement will be quasi always heated slightly for free.

@ Climbee
then you also use the floor slab as a storage. Sounds interesting. It reminds me a bit of the ice heating, except that you use an existing storage medium.
Living in a mineral spring protection area. Did not get approval for geothermal energy. So the field trial system for passive houses and KFW 40 houses had to be used.

It's a bit more than 3 or 4 logs. Our mayor has a photovoltaic system with a 10 or 12 KW storage, he can charge his electric car and run one washing machine load. Some say with the subsidies, especially with the 10,000 houses program, the costs of the storage have risen sharply. One thing is certain, the prices will fall eventually

We primarily use the soil as a storage.