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In fact, buying a home with builder grade everything is not considered a great idea from a value standpoint. "A surprisingly large amount of the money you spend on your new home will be determined by the options and choices you make - and those options are forever changing," said New Home Source. The cost Ultimately, how much you upgrade (or not) is dependent on cost. Add $20,000 in upgrades to your $400,000 mortgage, and you're looking at about $80 a month. If you're worried about adding to your bottom line, an extra $300 per month could hurt. "Moving up from standard cabinets to semi-custom gives you way-better construction and longer-lasting finishes," said Houselogic. Quartz countertops may not be provide much in the way of cost savings but they do represent the most popular material today, which is predicted for many years to come. If it's something you just can't live without, and you'll regret not doing it from day one, the extra cost may be worth it. You don't have to worry about contractors We've all heard the horror stories about contractors, but even if you find a good one, you're still going to have to contend with having people in your home and making sure they show up on time (or at all), work within the agreed-upon timeframe and budget, and do what they said they will do. No fuss Speaking of which…How many times have you heard people say the worst decision that they ever made was living in their home during a renovation?