Why are high costs assumed.
The house area is like a bungalow with 170 sqm.
The garage has 80 sqm.
Whether I insulate the garage with 60mm or 160mm doesn't make a real difference.
Here is an example where you are mistaken, and even I notice it as a layman:
According to the drawing, the garage is within the thermal envelope. That means the garage door must be insulated and airtight. I am sure there is such a garage door somewhere in the world, but nothing off the shelf for sure. People who want to take their Ferrari into the house usually build that.
If the garage is within the thermal envelope, you will also need a ventilation system for it. Otherwise, everything will rot if you bring in moisture during winter. Again, a point that is significantly more expensive than a normal garage where you can just tilt the window.
Overall, for the garage we can assume more like living space, i.e. €2000/sqm. Living space in the bungalow is certainly a bit more expensive, so let's say €2500. That totals about €580,000 just for the building. Certainly, you can reduce the price considerably through your own work, but your fittings don't sound cheap either. Therefore, I would initially leave the sum as a rough figure.