An inverter is an inefficiency & a cost, yes.
Yet. It's daunting to me to imagine replacing well known infrastructure with something custom & different. You could try to get a bunch of automotive 12 & 24 lights but there won't be great fixtures. You also need 12v versions of most appliances; fans, fridges, others.
Your upgrade capabilities also seem limited. If grid power does come, you might be stuck with a bunch of abornal choices. Your wire loss is much much higher with 1/10th the voltage or 10x the amps per wire, which limits scaling out on DC, is a counter-inefficiency that grows the bigger your system gets.
I think it's a good idea. Personally if I built a small off grid home or RV I'd probably do 48vdc. But it'd be much more work & require a ton of expertise.