[Bavarian]

Most of my points already made. Air source heat pump does not warm house as much as a geothermal heatpump or an oil heater.
I think the metal frame windows are also a problem, transfers cold in Winter and heat in Summer.

We were not offered an upgrade option of wood frame windows, vinal coated on outside, so no maintenance. We would have taken them. But I think the builders can't let you have too many choices or it will reduce volume discounts.

First house I bought was air source heat pump and always cold, next house we spent the money and got geothermal, warm as toast. But we had clay soil, good heat and cold retention. Still have the MD house up for sale.