When a builder is building many homes in a development
I don't generally pay attention to what builders mass-constructing many new homes, often with cheap materials, are doing. You have to pay for good wood, if you want quality. I grew up on the east coast where many homes are a century or more old, and still standing strong through hurricanes, snowstorms, and more. A lot of these new homes going into all these developments are made cheaply, with cheap materials, cheap wood, cheap methods. The home will sag, warp, twist, and generally suffer from the cheapness. It's hard to imagine many of these homes 50 years from now.
There are many things you can cut corners on, especially if you're just doing interior walls, but if you're doing important stuff, load bearing, etc, overbuilding is the best philosophy, IMO as far as homes go. Build for the long term, with quality materials and quality work. The quality will maintain better and hold value.
The wood from places like HD is just generally crap, and I would avoid it for any kind of building project unless 'crap' is acceptable (things like garages, structures or walls that aren't structural, other simple things.
Good lumber is fundamental, and IMO is totally worth the cost. Also one should be aware of the sources of the lumber, what kind of forestry practices are involved, etc, and include these environmental considerations in your buying choices. There are some alternative products out there which can be really great too.