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@cozzzzzzzz
this is what we did. in terms of fittings and finishes, the majority of ours were fairly standard. no fancy joinery etc. we discussed having walls in new mass clad in birch ply but while we liked it thought it would date, so opted for straightforward plasterboard w.dot & dab/paint finish. cost was much of a muchness betw the two options.
we then sourced and supplied e.g. kitchen cabinets/worktops, fixtures, and cloakroom fixtures (toilet, wash basin etc.) architect handled sourcing of appropriate cladding. builder's quote was basically just breakdown for everything you'd expect for walk-in condition, with a couple of gaps for the items which we were to source/supply.
we had three quotes, two of which were 20k higher than the builder we eventually chose. and the builder we chose was already basically a budget buster 😬... we tried to get another couple of quotes but I think builders often feel the juice is not worth the squeeze in pulling together these (quite detailed) quotes, so never even got a response despite architect keeping on top of them
totally understand why people say hold off on doing this or doing that on your property, until you start your proper build. we got so much stuff done which wasn't quoted for, I guess, ostensibly for 'free' (although I'm sure all that contingency is priced in to their numbers.) they've been back regularly since completion too, doing bits and bobs to make everything 100% with no suggestion of any further charges