You can easily get into that range as a principal software engineer in Germany. E.g, finance and car industry will pay that, depending on the niche even in a startup if you negotiate properly.
100k will also not put you in the 1% of the earners if you consider the cities where the high paying jobs are.
You mean in Munich, right? Anywhere outside of Munich €100k is a really high salary for a software engineer. Not impossible to get, I know of a few companies that offer that kind of compensation or even higher and are located in Berlin (though all of them have their HQ in the US), but that's very high income compared to the rest of the market.
In any case, the point is that with €100k/year you can really have way more than a decent life. More like a very, very comfortable life.