36.5 can also work with KFW55 in my opinion, if the envelope is calculated overall and not built according to the reference value. At the end of the day, it’s all a question of price or where effort is put in at which point. Basically, a better wall never hurts ;)
Technically, the most sensible from an energy perspective is actually ETICS; interior mass, exterior insulation. Depending on the design, there are also other systems than the classically associated "we glue Styrofoam outside" up to existing facades, etc., which are not usually found in the typical single-family house spectrum or even the standard construction service description.
As already noted, there are significant differences in sound insulation with windows, which are often significantly worse than the stones themselves.