The ISS was also the first of its kind, not built with cost effectiveness in mind even a little bit, and complicated by being built by so many different parties

The ISS was also the first of its kind, not built with cost effectiveness in mind even a little bit, and complicated by being built by so many different parties. A station or other space hab built by a highly vertically integrated company trying to keep costs down is almost certainly going to be much, much less expensive and more capable.