What stone thickness with what insulation for the exterior wall

Hello,
Here I would think hard once again ......

......Low heating costs already start with the choice of the building plot!

.....

I have already written that I am building for the first time, have to deal with many things, so I am a layman. I do not claim to have all the answers. And I have thought about it too. And now I wanted to read opinions here in the forum and I get advice about my concept.
If I were building in Africa, I probably wouldn’t have to worry so much about heating costs. But the plot is in Germany.
Dear Euro, from your point of view you are probably right, but your answers don’t help me at all.

Kind regards

Hello,

what use is it to you to know whether a 20 cm AW with WDVS or a 36 cm AW monolithic is better, if the respective component does not fit into the overall concept.