I have a larger than average 3 bed house. We have two kids who have their own rooms and downstairs is an odd layout - kitchen with a small table but very large living area with dining table etc.
There is very little space to get away from the general clutter of family life and as we’re both wfh our work stuff is everywhere too.
We have a fair bit of equity in our house and could afford to either build up into the loft, or do a fancy garden office.
The cost difference is quite big but the end result is not dissimilar - two extra rooms for ‘us’.
The end result would be that we’d both have our own office/personal space.
My thoughts:
It would be nice to have everything under one roof so if money were no object I’d go into the loft for preference as we’d actually get master, bathroom and office up there.
Garden room is much cheaper and could be repurposed to teen den in a few years when kids are older.
So
YABU - do garden room
YANBU - loft is better