So in the bathroom we mostly already have the door closed, the bedroom actually too. Otherwise, of course, you are right, it will all even out.
According to calculations, the heating should be installed with vinyl as the floor covering and 36° flow temperature on the ground floor with a distance of 20cm and on the upper floor with 10/15cm, main bathroom with 5cm and guest bathroom with 10cm.
We are now installing on the ground floor with 15cm (so a bit closer) and on the upper floor with 10cm (also a bit closer). All bathrooms with 5cm, so there's no way to change anything without wall heating. Electric bathroom radiators add a bit extra but are not considered in the calculation.
Therefore, I would say from a gut feeling that the flow temperature in the real environment should be a bit lower, whereas the temperature in the living room will probably be more around 21/22° than the designed 20°. I think the distances are reasonably fitting for the bathrooms. With 5cm pipe spacing in the living/dining room we don't really gain anything either.
I also don't quite understand what makes a few meters of pipe and possibly a WH so expensive..... knocking off plaster, installing WH, re-plastering, done... sometimes you just have to be pragmatic.
Right, the effort plus the effort for the planner, who surely charges around 200€ per hour and maybe estimates 5 hours for such additional planning. The general contractor also charges higher hourly rates because it deviates from the original scope, plus 25% margin from the developer and 19% VAT ... that really adds up.