"Further to this, if you had to or want to upgrade your HE hub in the future, with Lutron you just backup your hub database, restore to the new hub and you are good to go. With Z-Wave switches all over your home, you have to exclude each one, join each one to the new hub, working your way outward from the hub, repair the mesh, then fix every single rule that the switches were part of because they will all be broken."
Wait a minute - this sounds terrifying. This in itself is enough for me to avoid Z-Wave based items. I had planned on going zwave (vs. Zigbee) to avoid bandwidth competition with my 2.4ghz wireless, but there is NO WAY I want to be going around doing what you described when the next version of a hub comes out!!
That in itself is enough to go Lutron, if it's true.