Well I paid about $6000 for network prewire, running the same bundled cable you are to every room, incl master bath, butler's pantry and mudroom AND cat5e to every light switch location. Plus $3600 for wiring and install of a security system based on the elk m1g, where I bought the components. The markup on hardware by the security guy was silly compared to, say Automated Outlet, so I made him unbundle everything. This is for a 5500 sq ft/5 bedroom in NJ. My 'hood is kind of swanky so contractors throw in an extra markup.
I'm doing the HA stuff myself using ViziaRF and a controller TBA. I wanted the the security system to be turnkey though. I am in delicate negotiations with the installer about what he will/or won't guarantee once I hack into the Elk. Basically I just want him to be sure his piece of it all works before he leaves and I get started. He would probably walk away from this job if my GC wasn't his main source of income since I am such a pain, although a polite pain. OTOH, the AV guy is a geek like me and totally gets my DIY thing.
On the smokes, can't you just put in some cheapo battery powered stand-alone smokes from Home Depot until you get your CO?