First of all, you should familiarize yourself here with the questionnaire (pinned at the top of the floor plan section). If you meet the ideal constellation "Two adults with a shared bedroom, total of children and home office two, slab-on-ground property without special flatulence in the development plan," I initially see no reason to speak against a catalog design. The catalog design (also called a type house, Gabriele’s favorite Heinz says "system architecture") and the construction company in whose drawer it lies naturally belong together: a catalog design by Meierbau realized with Müllerbau would still be a custom plan there. A catalog design is only suitable if you use it a) originally or with the displacement of a few non-load-bearing walls, or b) only extend along the ridge axis: extensions that touch the base of the gable triangle constructively create a different house (a linear increase by changing the knee wall height has, however, minor effects—less than those of story height). A catalog house is an inseparable combination of house design AND construction and performance specifications of the respective general contractor!
You should ALWAYS approach a custom plan (in the sense of the perfect Bavarian negation "never no exception not"!) with a freelance architect. An architect-designed house only becomes more expensive when you a) plan it individually also as a design unique or/and b) plan it with an artist. Unfortunately, the latter are not guaranteed but can be recognized quite reliably by the fact that they only offer service phases 1 to 4: they cannot estimate costs well and supervise construction—then their designs are unsuitable for affordable and uncomplicated realization.
Secondly, you must decide "religiously" on one path: namely, whether you prefer to let yourself be guided in awarding by the result of a tender, or whether you want to follow your own or buddies’ belief systems (e.g., awarding the shell construction package en bloc and then all trades individually). When it comes to tenders and awards, keep in mind that the leverage effect is about 2:1, i.e., a layperson in this way can expect about twice as much extra expense bad luck as savings luck (please sum this up yourself now).
Addenda are items you forgot in your request for proposal. Here the contractor compensates price increases and also takes the most suitable revenge for any price squeezing;
Increases are items that come up otherwise—also note that your own quantity and mass determinations are worthless if you miscalculated;
Time-and-material work are hourly charged extra works, where the contractor first has to establish the plan-actual congruence of a preceding trade before starting his actual work (e.g., chipping off/plastering what the predecessor messed up).
Regarding the scope of the architect’s commission, I recommend googling (with the search phrase in quotation marks) "A house construction roadmap, also for you: the HOAI phase model!" which I unfortunately may not link here. The popular commissioning of service phases 1 to 4 is not recommended regardless of further strategy, nor your idea of phases 1 to 3: if you go to a general contractor (to plan individually but with their draftsman), service phase 3 would already be a waste of money, as the draftsman can just as well base their approval planning on preliminary designs of phase 2 (their usual raw material is even the SweetHome DIY stuff proudly created by the homeowner’s spouse on the computer). The "working drawings" of the draftsman are not remotely on the level of an architect’s detailed planning of phase 5 but barely more than a formwork plan—in a draftsman’s planning, drywall bumps are as certain as amen in church!
According to my recommendation, the royal road is to put the design, detailed planning, tender, and site supervision into the hands of one and the same planner. The resting time between module A and module B is also of significant importance, even if one (which should be the rule) is already sure after module A to continue the further path with the same planner. In "Of site managers and … site managers," you will find explained the differences in objectives between your architect site manager and/or accompanying expert and the only nominally likewise named general contractor site manager. Therefore, never waive your "lawyer with the folding rule."
You do not have to run away immediately if your chosen contractor turns out to be a franchise partner of a big name, but you should avoid deliberately approaching big names. Their size lies in marketing and legal departments; the construction competence lies in the mason’s trowel at the base. The same applies to the tender: let the professional tender the trades as single lots and do not exclude general contractors, but I see no sense in limiting to general contractors only as contractors; discuss with your planner whether you want to carry out the tender in two parts (shell construction / finishing). I see no objection to the homeowner’s own participant proposals being submitted.