Gary, This stuff isn't black and white but shades of grey. the specificity required to unambiguously communicate even moderate complexities sometimes exceeds the interest of the reader and the ability of the author. But let me make a feeble attempt to give reason to believe that what I claimed can, in fact, be so in some cases.
Take as an example brick veneer with conventional stick construction: Around here the cost of brick goes up quite rapidly with height above grade (stone, even more so), especially above 8 ft or so. There are other cost drivers that do this as well. Roofing costs more with height as well as increased pitch. A two story house isn't two one story houses stacked one atop the other but with only one roof. There should be more foundation and greater structural scantlings for the load bearing walls. Bracing for wind resistance (earthquakes in Kalifornia) goes up non-linearly with height.
Oh, by the way, I'm not disagreeing with anything you said. All those items vs their costs were well presented. Likely I have had different experiences from you and came to a different conclusion, perhaps not unlike the 3 blind men and the elephant.
I'm pleased as punch and flattered too that you were in basic agreement with most of my ideas. Maybe we can just agree to disagree a little bit on some minor issues.
Staircase and railings????? Check out the ones advertised in "Fine Homebuilding" and you might well change your mind.
We live in the volume and pay to build the area that encloses that volume. As mentioned before this "degenerates" to a sphere. In some third world countries, locals have been taught to fashion a rough "dome home" using local materials such as saplings and vines. They then cover this armature with burlap bags saturated with cement, layer after layer. After the cement hardens the outside can be trowled with additional cement for a better waterproofing job. Smoke, window, and door holes are relatively easy to "frame" when the armature is constructed.
Alternatively, if you live where saplings and vines are not available, you make a large pile of sand (dirt can be used but is more work) You lay your cement saturated rags over the pile of dirt. As in the case of the previous example, you make alowances for doors, windows, and chimney. For a larger more complex structure in either building style you connect modules together not unlike the entry way of the stylized igloo connecting to the main room, a small bubble connected to a large bubble. Meanwhile back to example two, the sand/dirt method... after the cement hardens and has been overcoated, the sand is removed. Running water, if available, makes this easy. For a fine interior, plaster the inside.
Wana take these methods high tech? Construct a yurt-like tent structure with rebar covered with metal lath. Shoot it with shotcrete and trowl for appearance.
There are commercial outfits here in the states that inflate balloon-like forms with fans and with rebar in place, shotcrete them.
What these buildings share is a high internal volume to external surface ratio and nothing to disturb the "clear span". They also capture a lot of living space for low bucks. The "eggshell" approach is quite sturdy and examples of this building style have survived hurricanes, tornados, and automobille collision with lilttle or no damage.
So, belatedly, I have mentioned these to further respond to the original query for saving money in building a new home.
Then there is rammed earth in its various forms, far out like Earthships, or almost indistinguishable from the typical ticky tacky litle boxes.
Cordwood is stacked and grouted together to make walls of a home. Bottles can be stacked like cordwood and grouted together with mortar. The various colors of the glass in the bottles can be artistically arranged to make beautiful translucent mosaics. (Cheap AND good looking.)
I could go on and on with examples of lowcost housing from around the world from entire communities of thousands in China living in underground homes to wherever this random walk through my memory banks would lead but virtually none of the examples will fit any stateside CC&R's nor will they usually appeal to the American superconsumer with his conformist tendencies. In fact, code inspections and loans might get a bit sticky.
Patrick