Using a mix of zwave, nrf based mysesnors, and some x10. Vera is pretty user friendly to start up and you can use it as a modem later as it's logic is pretty weak without addons.
Zwave is great for things going into wall boxes, the logistics of getting a DIY box make it prohibitive. When you can get a dimmer for 35 ready made it's hard to put something together at that price point.
nRF bits great for sensors and more complex bits, putting together a custom device is easy and cheap.
x10 it lacks 2 way communications being required and it's error handling sucks. I had a lot of them from 15+ years back they work and I've yet to have any issues with them.
So pretty much for standard things zwave just works and looks good. nRF comes into play for custom things one off clock, switches, temp, humidity, usb charger, battery fallback, alarm, and general LCD display for the wife, controlling a rgbw strip lighting (there is a zwave option for this now), interfacing with DMX (half a universe at a time or nearly so).
ZWave as in sigma designs they seem to be trying to reign in control over zwave as it gets more and more popular and that is worry some to me.
ESP8266 is a new interesting chip at sub $4 for a module it's got wifi and a 32bit proc, so it has some nice features like a working known security model it's also got a full IP stack with all those risks. The plus side a lot more CPU umph and can piggyback on an existing network.