Our financial situation - Your opinion?

You could still ask questions there, or have you decided on an alternative?

So far, it is only determined THAT there will be a fireplace, and as mentioned, space and ventilation have already been planned for it. However, I will definitely address the topic this week due to the new insights.

So far it is only established THAT there will be a fireplace and, as mentioned, space and ventilation are already planned for it. However, I will definitely bring up the topic this week because of the new insights.

Make sure that a professional is involved in the discussion. A general contractor, site manager, architect, or stove dealer will also need this.

When it comes to the topic of stoves, one has to say that it is clearly a luxury and has absolutely nothing to do with economic efficiency.
Don’t get me wrong, I also find it very nice, but there are threads where people calculate themselves to death with photovoltaics and storage, optimal installation of underfloor heating, KfW40 or 55, interest rate differences of 0.05, and then someone comes along with such a stove.
Luxury: yes, cool
Necessity: no
Economic efficiency: disastrous
If you decide on it, then really get good advice (placement location, size, provide for wood storage, etc.)

I see it differently.
Clear luxury is 90% of all things we discuss here, including yours, you just have your own perspective on it.
Economic efficiency or ecological meaningfulness can be viewed through many parameters. What is often overlooked is the fact that our individual behavior (e.g., also heating behavior) is the biggest enemy of economic efficiency/ecology.

For example, I drive an old diesel and mainly heat my house with my wood stove and even without my own forest. Why? Because I like it, because I know it well, and due to my heating behavior/lifestyle I don’t become poor.
At the same time, I am sure that my ecological footprint could be compared at any time with many others because I handle the aforementioned things quite carefully. I drive little, usually keep a low room temperature, and consume very little in many areas. I am therefore not a missionary and there is still much room for improvement, but simply owning a wood stove says nothing by itself if you do not consider the entire circumstances.
Even with the endless calculations of underfloor heating, heat pumps, etc., one could find criticism if one would look at what I consider excessive use.
Currently, I have underfloor heating and often have to “heat out” (a rather silly term that I first learned here in the forum).
Heating is like other things; supply temperature: you can/cannot have everything, and if I want that, then my first and decisive decision is, for example, a fireplace. This may have the consequence that another heating system is installed as supply temperature, e.g., the usual heat pump/underfloor heating. The problem I often read here is that people want everything. If I really want underfloor heating, then it should be supply temperature, no fireplace, or only a really well-thought-out system, or a easily controllable gas fireplace.

“Necessity: no” What do you base your “necessity” on? I could at any time probably declare 90% of all generally usual necessities as unnecessary and name feasible alternatives. It is simply the question of where and how someone experiences their luxury/their quality of life. One with the expensive watch, another in front of the fireplace, and the third while grilling. I don't like this right/wrong.
“Economic efficiency: disastrous” is probably every newly bought car, most technical tools, most of the many clothing items, decorations, going to a restaurant, and certainly usually a single-family house... and also vacation or traveling, if you consider their deeper meaning only economically.

"Economic efficiency is probably disastrous" applies to almost every newly purchased car, most technical tools, the majority of many clothing items, decorations, going to restaurants, and definitely usually also a single-family house....yes, and also vacations or traveling, if you only consider their deeper meaning economically.

True, that's why private individuals don't buy a new car.

I'm not against a stove. Stoves are great.

I just wanted to humorously point out that using an (most likely additional in a KfW40+ house) heating system does not save money. And many (including the OP in this thread) understandably try to optimize costs everywhere when building a house. Therefore, I come to the conclusion: when it comes to money, never an additional stove, no matter what form. If it's about the "wanting to have," then go for it.

But of course, you're right. The sense or nonsense of it is naturally up to each person to judge. Theoretically and practically, one could also live in a cave with a fireplace. Many generations before us managed that too ^^

That's right, that's why private individuals don't buy new cars.
I'm not against a stove. Stoves are great.
I just wanted to humorously point out that using a (most likely additional in a KfW40+ house) heating system doesn't save money. And many (including the OP in this thread) understandably try to optimize costs everywhere when building a house. Therefore, I come to the conclusion: when it comes to money, never an additional stove, no matter what form. If it's about "wanting to have it," then go for it.

I already understood that, but with the car opinion, you (and I, too) are probably in the minority. When I see the generally accepted "normal" expenses for car(s), it shakes me. In new housing areas, many things are simple and inexpensive, but cars never are.
I generally find the endless calculations sometimes confusing, because they do not include US as acting beings, but sometimes just calculate something fitting that one simply wants to have for other reasons.
Humor? Sorry, that’s probably due to my currently distorted construction stress filter, it’s that bad already :D.

In the new development area, many things are simple and inexpensive, but the cars never are.

Possibly, people who can afford a house are more often in professions where a company car is provided. These are usually new. My self-imposed rule: Car purchase price not more than 3 months' income and buy instead of finance.