Surely the Shelly range is the most future-proof and flexible.

First, build a decent Wi-Fi network, then chuck the Shelly modules. Use the Shelly app for the short term (it's fine, just not great). And then down the track you can look at enabling MQTT and going the Home Assistant (or literally anything that talks MQTT, I use Node-Red mostly, HA is just for the interface).

Z-Wave, IMO, sucks. You're adding another random radio network to your house. They do dumb stuff when they are trying to be "smart" and connect to other nodes instead of somewhere much more appropriate. And then, as others mention, they will be ticking along nicely for months, and just decide to go offline. Plus the modules are stupidly expensive!