It's okay if you're not ready to pay yet. What is the alternative? Probably just the mass-produced houses of this world. Otherwise, you go to an exhibition and take the catalog price with you. But if you want any adjustments, then it all costs planning fees.
I don't even have to decide anymore (that's why I said "I wouldn't be willing...") since our house is already in progress. Honestly, it happened like this for us: we came across a Town & Country house on the internet, which we liked in terms of layout and exterior, and the catalog price made us suspect that even after changes and selections it would still be within budget. So we went to the responsible Town & Country franchisee here. We immediately had a good gut feeling with him, and the additional costs were not higher than expected, so after a few conversations and once a professional uncertainty was clarified, we signed a few months later. To be honest, we were very positively surprised by the surcharges during the selections. So far, I can't complain. Maybe we could have gotten a comparable house cheaper somewhere else, but since we both had a good feeling right away, the price was okay for us, and we didn't want to spend months looking for a general contractor, this was the right way for us.