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That's my concern with converting my home. Thermostat, lights, security, plugs, etc. Would hate to have to replace it all shortly down the road.

This is the only way to build these systems. If you are building a new house, wire everything to a central location. This way, any necessary upgrades can all be a matter of swapping out hardware.

Even with the switching, if Lutron goes out of style, atleast all of the switch-legs are run to a central location. The entire system could be replaced (and the devices). It would not be cheap, but at least it's possible. Replacing devices in the wall isn't the worst thing in the world.

"...accepting that all of lf it should be written off and replaced in 10 years...only central hubs/displays need to be changed."

That seems contradictory.

I meant that the "modern" tech must be replaced, if you use wireless then senders and receivers (meaning a central hub and all fixtures) likely has to go in order to support a new standard. With a wired system there is some hope that the wires can stay and carry a new standard.