The experts here simply know the real prices and not the fantasy prices of the Gus/GÜs and corresponding Elis and know exactly what is feasible and what is not. Because these experts themselves have carried out and/or accompanied/planned quite a few installations.
should know that you don’t get a functioning KNX for 10k, but merely a KNX preparation on which you can later upgrade with another 10 or rather 15k. I
The experts here know very well that 10K is completely sufficient to cover the basic functions you described, and what is that sentence supposed to mean, "no functioning KNX"?
KNX works as soon as you have a power supply, an actuator and a switch/sensor and, if necessary, a programming interface if you want to make changes yourself or also perform commissioning. Thus, you can have functioning KNX at home from about 300€.
In total, the KNX then costs 20 or rather 25k.
KNX can also cost 100K. But you can also have KNX with 5K. It only depends on what is desired and what is installed. Usually, the appetite comes with putting together the functions and components, and as soon as the interested parties find out what is actually possible and what can be done, then the big numbers come together. But it can also be very simple and economical.
All those circuits and programming cost a proper amount.
That, on the other hand, is absolutely not true. Programming and circuits basically cost no more than the working time of the Eli, and an experienced one should be finished with an average house within a few days (actually rather hours).
For the 12k, this also completely includes 36 Hue spots, strips, and Philips lamps including installation.
Granted, you can also have that within a KNX installation. Then the distribution board becomes cheaper if the builder wants to rely on Hue.
As already said, to each their own.
KNX does not have to be expensive. In fact, it is becoming increasingly cheaper. However, if you grasp with both hands, which most people do, then it is clear that the numbers always go up. It is like buying a car. You can take a basic model with few extras or buy the fully equipped version.