Hello,
I think when preparing an offer we will address both scenarios. So flat roof and then as a terrace, and gable roof, but it would also have to be walkable, otherwise it wouldn't really be usable as storage space or would a different floor be used then? Also, we would probably have to add at least one dormer in the bedroom or a skylight, because with the gable roof we lose the window in the bedroom and bathroom. We will weigh the respective costs against each other and definitely orient ourselves accordingly. It would be nice if someone could already roughly say in which direction the respective prices tend.
You are right about the bathtub, but we can counteract that a bit by pulling the bathtub slightly further into the room and possibly using a corner bathtub. I think that helps a little.
I know that doesn't comfort you, but later you / your children will resell the house for a higher price. We won’t get that much back then. Of course, that doesn't help right now.