It is correct that the circulation also loses heat in the pipes. However, this heat is not lost in terms of the closed envelope (house) but instead may warm other rooms (theoretically). To make it short: price-wise, it is more or less neutral with slight disadvantages. It is more a matter of comfort. In the end, the cost is not particularly high but it does bring some benefit. If the new building has just been handed over, one can still file a defect notice based on the mentioned DIN/VDI and demand compliance. In our case, discussions had already been held with the tile installer from [sanimann] because they wanted to tear up the entire hallway. The regulations are not there out of boredom. 25 seconds until warm water arrives is simply a planning/execution error and thus a defect. Either the pipe was not laid as the planner calculated, or the pipe diameter is too large, or the planning was already wrong - at best, there is no planning of the hot water pipe at all. Always remember: you are building a modern house and for example, you can never get warm water in the kitchen because you only need 2-3 liters for the pot but warm water comes only after 4 liters. That is completely absurd...