Thank you very much for the quick response. I just have to recalculate everything again. If I decide on the basement, additional costs for a staircase landing, partial finishing, underfloor heating, etc. will also arise. And the partial finishing is by no means a nice living basement. Reason says you will have reserves in the future, but the costs incurred now are nevertheless not insignificant, especially since it is unforeseeable whether the reserves will ever be needed.
A floor slab including excavation will cost between 20-30K€, the offered system basement from Fa. Knecht just over 70K€ as a white tank.
At the present time, a "nice" laundry room including parking for heating and all the house technology costs me just under 100K€.
If now, in the worst case, the floor slab including the technical box were only 10K€ cheaper, i.e. 60K€, then the budget gain would increase by 40K€, then one can think about nice things like parquet flooring, a fireplace, or a better kitchen. The house already offers a living space of almost 180sqm. Why then still 100sqm of basement?! It not only has to be heated but also cleaned.
I look forward to further suggestions and thoughts. Many thanks in advance.