Hi Don,
I'm a bit late to this thread but you have received the right advice to hardwire. It's almost a no-brainer in a large new home where you have the budget. But keep in mind the hybrid option, where you would hardwire at minimum all of your critical lighting and as much other 'switch based' stuff as you could. Then you could supplement that with a powerline protocol like UPB (which I recommend over Insteon). You could put in UPB outlets instead of say a regular outlet an lamp/appliance module. I think its Centralite that also controls UPB, but if you put in a panel like the HAI or Elk it really wouldn't matter. Pretty much all of the major hardwire players are pretty good quality, I would look at which control pads/switches you like best. Another option is the SquareD/C-Bus/Clipsal system. If you are ever in the Orlando, FL area they have a designer showroom that shows all their stuff - it was very interesting. I'm only around 3 hours from your new place and would love to see it.
Just don't forget the prewire - thats the most critical part of your whole HA/security system. I can see miles of wire in that place. Also, if you haven't already, try to identify a decent size closet or room to be your HA room. I'm sure you need a place for your structured wiring, security panel, distributed audio, HA pc, etc...
And you're right, don't move to FL for the cost of living, the latest polls show South FL 2nd most expensive, just behind Honolulu!