Would the appliance person be arguing with you? As the client this should be the Shadowy One & your choice, not an argument, I would think?
I did look up the prices for F&P vs. Samsung, and at least in the US the standard (not built-in) fridge is less than $1,000 more than some Samsungs. So that could be a reasonable quality upgrade, vs. a $2-3k difference for built-in. I haven’t checked stove prices yet.
Oh, FYI the oven fan always runs for about 20 minutes after you turn the oven off, ostensibly to cool the unit. It’s not super loud but is definitely audible, and there is no way to turn it off. I’m not sure if that’s true of all induction/electric stoves.