Ned Harr wrote:"what if I want to add an outlet there?" or "What if I need to reroute a plumbing line over here?"
I'm not seeing any problem in such a case and would not label it as a modularity issue. If you built from cob, masonry, you just chase the wall for additional electrical line. Extending plumbing would be more difficult, but at the same time it's not a common modification: to convert a room into a kitchen (a second one?) or a bathroom (another one?) in a well designed custom home. Building an extension would follow the same techniques as in the extended building.
Ned Harr wrote:many of you here have made natural buildings for yourselves; how have you addressed this issue?
First of all big boxes store usually have the lowest quality products. If you build a natural house you have to look somewhere else. These places usually want way too much money for some products that they sell, because of a market niche or catering to industrial customers, so I just made everything custom and it was still cheaper. Besides that I enjoy designing and fabricating things.
When you mentioned modularity I was thinking about prefab panels, made from cob or light clay (available in Europe).