Gurugram property: Are hidden charges the real premium?

Sector 91 & 92 keeps coming up every time I shortlist something. I'm currently in a 2BHK and looking for a 3BHK, maybe even a villa if the numbers make sense. Everyone glorifies the starting price for builders like MRG World, but nobody talks about the actual all-in cost. I mean, the base price is just the beginning, right? You've got stamp duty, registration, parking, then the huge PLC and floor-rise premium. Is it really worth paying extra for a higher floor when the view isn't even that great? And what about those hidden charges that only pop up at possession? Things like club membership, maintenance advance, even some random development charges... feels like a trap. I bet these add another 15-20% easily. Should I just assume a 20% buffer on the quoted price? Change my mind if you think I'm wrong.