I live in a poor Eastern European country and this is the standard for new buildings.
It's very common to carry stuff with a small crane. If it needs to be carried to thd back of the house which is not accessible, they set up a bigger crane.
So the ROI is way higher.
Noticeable exception includes Norway with their gas fields, but it's not like Germany has huge swaths of oil ready to be used. Germany does have substantial coal, but it's been decreasing its use of it in exchange for alternatives it doesn't own the fuel for.
In other words, Europe pays more for energy because they have to import it. Importing it isn't factoring "externalities", as the extra money isn't going to anything except Russia or OPEC.
In most realms, thoughtfully paying more for something yields an economic win over the lifetime (i.e. in this case energy efficiency).
Also somewhat ironically most people (even frugal) have some intuitive appreciation of quality -- if you place fitting architectural windows and doors on a structure your guests will appreciate it at some level, even if they don't understand why -- but expending the mental effort to design in such things is beyond most people for whatever reason even if they can afford it.
Whether it translates into value capture depends on the demographic of buyer, there is a large uncanny valley of builders that will do the lipstick-on-a-pig thing for a flip or even highly priced spec homes but at some point architects prevail and the structure is well designed at the price point.
Their value is absolutely recognised as something greater than maintenance in this market.
For example (in Australia), my mate recently spent $40k, drawn out of his mortgage on solar panels, battery, double glaze windows, heat pump heating and cooling, gas stove to induction, gas hot water to heat pump and is currently investigating drawing more to upgrade roof insulation.
Housing prices have to decrease first if you want people to be able make these decisions. That means we need a deflationary economy through increased production, so more people can be able to afford the enhanced productivity.
That said, we have very nice triple-pane German windows in the house we’re currently building, and both the thermal performance and the finish quality are _wildly_ better than American window products. It’s just a whole different category of thing.
All this to say, if I were building a new home, I would make it as energy efficient as possible as soon as possible. In my mind, it would be an investment, not maintenance.
I think many people fall into this trap.
When you first move in, there is always too much going on. Buying/Selling, moving, getting accustomed to the house, area, etc.
But it is the perfect time to redo things in the empty, unused house.
Put in a new electric panel. Add ethernet, or outlets, or rewire all the rooms. redo the shower, kitchen, laundry, etc insulate the attic. Change out the garage door opener.
or redo the windows.
The minute you move in all of this becomes measurably harder.