Planning on a new build comes way before install, so recommendations now might be out of date then.
A key question is whether to wire for Lutron Homeworks QS. It is a question that must be dealt with up front because it affects virtually every electrical wire and where it goes. It would be my preferred choice for a new build. Going downscale from that would be Radio RA 2, not Caséta which is more of an apartment/small solution.
Insteon in my opinion would not be a common choice for a new build. That’s more of a retrofit solution. At this point all of my lighting suggestions would be different types of Lutron which are then controlled either directly and/or via the Lutron HomeKit bridge.