For me honestly I use home assistant as a backup for when internet down. My most useful automations are probably:
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Phillips hue hub with Phillips hue lights.
Sometimes hub wonāt turn on/off lights properly with sunset/sunrise so I have home assistant making sure it does.
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For my office and kitchen I use Lutron casetta, my kitchen and office lights are dimmable with toggled tube lights. This works flawlessly and gives me proper lighting in those 2 spaces. I only wish I could change colors of tube lights but looks so professional and clean. Probably add their motion detector to turn on office lights anytime I enter shortly.
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Lutron casetta outdoor plug for switching between grid and solar in my basement. I started off with cheap plugs like tp-link but found them very unreliable. I usually automate with python discharging my solar batteries each night to let new sun into them. This is custom in a cronjob, I read battery voltage from victron solar charge controller then turn on/off Lutron plug based on that voltage which I update voltage every season.
I started with all the cheap light bulbs, cheap smart plugs, but I found going reputable more expensive brands has given me flawless operation and no issues like the cheap devices when it matters like dealing with your solar setup etc. Casetta line no issues, might even do their smart shades at some point. I think if you want to up the value of your house, anything you do with Lutron casetta will do exactly that.
If internet goes down I can ask Nabu to operate my devices with their voice assistant. I virtualized home assistant under freebsd vm-bhyve on my server so it has very powerful hardware to work with and take regular zfs snapshots of all the VMs just in case.
So when I think of automating something, I think if I ever sold this house, I could leave behind Lutron hub etc for them and they good to go.
Iāve done most things myself, other times I called an electrician if I was unsure about something like getting toggled tube lights dimmable with extra wire etc. Didnāt want to crawl around in attic anyways 
Iāve run fiber optic from cheap QNAP switch in basement to QNAP switches in office and livingroom along with 12/2 wire from triplite grid/solar redundancy switch, same they use in datacenters to my livingroom and office, power goes out, does not interrupt me on ps5 or my PC.
Keep in mind I never started off even wanting to do solar, I just wanted a battery backup for good amount of hours if grid failed where my electronics were unaffected. Then I thought why not get a solar charge controller and toss some solar panels outside so I can charge batteries for free instead, works out great. Just donāt get those hybrid inverters, a good giandel inverter, feeding into a data center grade triplite off eBay will give you those sub 2ms switching times. You donāt need any expensive victron equipment, only part I would is their solar charge controllers, their app rocks. I just feed a serial cable from my server into it to pull voltage of battery.
Better than my first cheap ass setup, modified UPS hooked up to 2 car batteries lol, a bunch of Will Prowse YouTube videos and sourcing my lifepov4 batteries directly from Alibaba later, so much cleaner setup and batteries will actually last 10+ years.
For a cleaner look plan on hiring an electrician again at some point and install proper wall outlets for the 12/2 wire and the fiber optics. At least this way gives you upgrade path from 10gb to 100gb just changing out the switches and transceivers easily since Iāll run om5 fiber.
So I think things like fiber runs with professional wall plating, custom solar/grid outlets, Lutron casetta of anything that doesnāt use third party cloud providers is probably your best investment, maybe you could leave behind a cheap mini PC with home assistant on it and a Nabu voice assistant to with all your other automations with zwave/ZigBee to.