Our agent gave us a list of all the options and choices available, then went with us to models that had all the choices as well as one place that had samples of the counter tops, carpets, etc. Then she plugged all our choices in the computer and gave us a cost. She knew enough about the choices that if we were considering kitchen pkg. A versus pkg. F, she would teel us the basic cost difference was going to be. If she wasn't sure, she plugged it in each way and found out the difference. So I agree it does take some work and knowledge, but your agent should be able to help you figure this out before you get with the design people.
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