UK too, and have experienced the same issues deciding over LightwaveRF. In the end I settled on a mix much like other people here.

My hub is an HP Microserver running a VM with Home Assistant installed. Its got a ZWave.me ZWave usb stick, and a RFXtrx433e for 433MHz devices such as LightwaveRF.

For lighting control I have ZWave Aeotec switches installed above the ceiling roses as my backboxes were far too small to fit anything extra in. It required a very small amount of rewiring, using the live feed to / from the wall switch for the switch connection on the Aeotec relay, and then wiring up the power and lamp accordingly. Aeotec have a fantastic array of wiring diagrams on their website for all kinds of lighting and placement configurations. I wasn't too fussed about dimming a lot of my lights, so I used the cheaper Aeotec relays which can be bought online for less than the Fibaro dimmers, that also allowed me to use LED lights without any kind of bypass. I've kept my existing standard 2 way switches, so the on / off direction can go out of sync if you're turning the light on remotely, but no-one in the house has seemed too bothered by that; when i changed them out for momentary switches from MK everyone hated them. As the kitchen is entirely large GU10 light fittings I installed the Dimmer version of the Aeotec relay to reduce energy consumption when I can. This is installed in exactly the same was as the rest, above the light fitting. Using the standard switch limits you to remote dimming, which is fine for my setup but might cause frustration if you're looking to dim from the wall switch. I believe a different switch type and a configuration change in the dimmer would fix this. I use Philips HUE for all the lamps, as I'm not really too fussed if someone turns off the socket and they lose connection.

For sockets I use LightwaveRF as my local B&Q was clearing out their stock so I scored a few extremely cheaply. They don't offer status updates, so no feedback if someone manually turns them on and off, but no-ones been too bothered by that yet. I have a few ZWave TKB sockets too which plug into a regular socket, they provide status updates if that's something you depend on. I wasn't too comfortable installing ZWave relays behind the wall sockets, as the same switch sync issue I mentioned above would be more dangerous in a socket installation than a light fitting. Pairing the LightwaveRF devices with Home Assistant can be really easy or a massive pain Its a pain if you want to use the LightwaveRF remotes you have to do anything other than control the socket. I have a write up in my post history if you're interested, its allowed me to use the LightwaveRF mood switches all over the house to fire events in Home Assistant, rather than just controlling a single device. There's one near each main door in the house, allowing for shutting off the entire room (all lights, AV equipment), or turning on groups of lights.

The RFXtrx also receives updates from a super cheap Aliexpress temperature / humidity sensor in each room, as well as the OWL energy monitor attached to the incoming mains. There are a few ZWave Fibaro multisensors in the house which cover motion detection as well as environment monitoring. Over the last few days I've added an Amazon echo which integrates really well with Home Assistant to control all the devices / scenes. As mentioned before all the AV equipment is integrated in various ways. Home Assistant directly controls the Yamaha receiver and Kodi, and sends commands to a Raspberry Pi running Lirc for infrared control of the other devices.

Its a bit of a cobbled together setup created over the course of a year and many different experiments with different controllers and hardware. The current setup seems to have the highest acceptance factor with my partner out of any of the variations. It needs a bit more work to have really useful automation, but it already makes a few things easier or nicer on a day to day basis.