Dell,
The only way to interpret your statement about HV/data cable "The advice about the separation and crossing HV cables is somewhat of a [old] wives tale, and most cases, does not affect the functionality or reliability" would imply that you should not bother following the advice.
Perhaps if following the advice were very expensive or very complex, it might be worth taking your chances. But it almost never is expensive or complex. And as I mentioned, since most home hv lines are carring few if any amps most of the time, you get away with it almost all the time. But, it would be just silly not to spend the extra . . .well pretty much extra nothing to separate them.
I do understand how the retrofit hubs work. Elk says no more than 2 parrallel data lines, the hub expands that. But if you are putting in a new system with new wires, you can do all the same things that a hub would allow without a hub. Why spend the extra money and have the extra stuff when it isn't necessary?
Regarding not use cat5 for your wires you commented that "it's too light and fragile for most purposes". Elk has spec'd the system for running cat5 to the KPs. So unles you need too exceed those specs (which are quite generous) it is not too light. Being too "fragile", well, I don't know how to interpret that. Do you have data comparing cat5 to some other type of wire as far as cut resistance, tensile strength, radius arc, and repeat bend metal fatigue breakage? I am sure the data exists somewhere. I don't have the data, but here are my guesses: cat5 wins radius, cat5 wins repeat bend/metal fatigue, toss up on tensile strength, and loses on cut resistance.
But in short, I think none of that matters because I think there are very few cases where the wire is subjected to something in the middle zone between failure points for the two different wires. In other words, when the plumber drills a hole through your wire, or the drywaller runs a screw through your wire, both fail.