I wish I knew enough about ZWave to know its limitations. From a UPB perspective, what you suggest is simple out of the box behavior; others suggest that ZWave might need an intermediary.
As far as smartphone control goes, there are lots of ways for any of these systems... UPB has the RUC or direct Elk/HAI control, or any of the mobile systems... as I'm sure ZWave has.
I see lighting as an auxiliary system so I don't control the lights directly from my phone, thought I can if I wish... I instead talk to the M1 which controls the lights; or I talk to Elve which also has direct access to the lights. I'm not a fan of one app for the lights; another for the alarm; another for the thermostat; another for the Hue bulbs; etc. I can open a single app to control garage doors, sprinklers, lights, HVAC, security, etc.