I am commenting on the question posed at the beginning of the thread:
We built extensively in 2014 and chose the KfW70 standard. The effort for this was relatively low; further measures would never have been cost-effective for us in relation to the savings (energy/interest rates). So now we have a well-insulated house at a reasonable price.
As a heating system, we decided against the much-hyped air-to-water heat pump* and installed a conventional gas heating system. In addition, we have vacuum tube collectors on the roof as the primary energy source for heating and hot water; they are so effective that even in winter with overcast skies they almost manage to heat the water on their own.
All in all, we therefore chose what I consider the best price-performance ratio. Let’s see what costs we will have after the first full year.
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*All the reasons against it would be beyond the scope here, and it is not the topic anyway.