Yes, the expert costs money, but it is also subsidized (50% up to €4,000). Of course, this must be taken into account.
It’s not as if you don’t get something in return. Anyone who can still make a profit through a subsidy, as you write, should in my opinion definitely take advantage of it. Because besides the financial gain, the property also experiences an upgrade.
Example: €100,000 over 20 years at 1.3% (KFW conditions) vs. €100,000 over 20 years at 1.9% (favorable market conditions) results in about €8,000 interest advantage. Plus €5,000 repayment bonus. If you are installing the system technology anyway and “only” need thicker insulation... you can make good use of the €13,000 KFW advantage.
In addition, you save heating costs, although not so much from today’s perspective (but who knows where this is heading), through higher insulation. It certainly doesn’t harm the resale value either.