We bought a new duplex home with a refrigerator opening area for a 42" built-in.
Since we do not even know we are going to live in the newly purchased home (owing to employment relocation issue), we do not want to spend 8K for a fridge. In order to save a few thousand dollars, we did discuss with the builder's Design Center about making the opening area a bit smaller so that we could buy a much less expensive 36" counterdepth standalone one. A designer at the design center reminded us if we did a smaller refrigerator, it would not look as nice as the scale would be off compared to the rest of the kitchen appliances, e.g. the 6-burners cooktop.
We do not opt for the built-in fridge with the builder (Electrolux, Thermordore, or Subzero priced at $8,000 - $ 12,000 plus whatever taxes) but will buy a cheaper one with on line sources, i.e. a GE Profie 42" around $5,200 (no sales tax but need to pay $500 for installation).
Having said that, we still think the Design Center's option prices are reasonable if you are planning to live in your new home for a long time for the reasons listed below:
1. All businesses need to make profit.
2. The builder carries higher insurance cost to install the options while the new home is still being built
3. The refrigerator options are high end products with good quality.
4. Save your trouble to find your own installer.
5. Refrigerator delivery/installation might scratch your new flooring