Every home builder is planing in advance, the problem is that down the line you'll realize mistakes you didn't think about, 100% of the time. You also can't plan failures in advance that good, and if you do care about that you certainly won't encase all your utilities in concrete

Blessed be the developer who has never had to refactor anything.

Things change. Sometimes a lot and radically. I happen to live in the house I renovated 30 years ago. I had to change a lot of things during these years since then.