What you're talking about is circuit switching which is becoming rather antiquated and I don't know of any electrician or architect that today would do what you've described.

Most will do a hybrid system by either; 1) home running all of the 'circuits' to a central dimmer/control panel (typically Lutron but could be others) or 2) increasingly they'll homerun the individual circuits to a nearby closet where all of the circuit switches/dimmers will be located. Rooms then have single control panels (Control 4 is least expensive but not very reliable, Savant, Crestron, RTI and Loxone are a bit more expensive but more reliable).

Increasingly each lamp will include the control circuitry itself and be controlled individually by the control system (see LIFX, HUE, etc.) so the latter system will give you what circuit switching you may still need and then allow you to more easily migrate in the future.

opaone we were told to go with Control 4 because it was the best and most reliable. Why do you say it's not?

Your best bet is to get the help of a knowledgeable designer. Rather than go with a whole house smart system, you might want to try something more localized. These folks: https://www.houzz.com/pro/noonhome/noon-home have a neat product - I haven't tried it yet, but I do have an affinity for them since they're quite clever and based in our hometown of Cupertino, CA (also home of Apple).

C4 has higher levels of complaints from homeowners than other systems. In our own case we've had TV's and stuff turn on in the middle of the night, difficulty getting stuff to turn on, and recently when we select to watch cable it's fine until about a minute later when it auto switches to Apple TV.

C4 does not write many of their own drivers so we've recently been caught without the ability to control all of the LIFX lamps in our house with our C4 system as before since the company who provided the driver was purchased by someone else who discontinued it. That's a rather major problem that C4 don't seem to want to rectify.

It's possible that some of the problem is as much with the installer/programmers as with the system itself. Other companies have much more stringent requirements for who they will allow to do installs than C4 does. So perhaps a C4 system installed by someone who is also certified for Savant or RTI might be a good budget option.

Overall though, those I mentioned above are more reliable systems and have more reliable installers/programmers than C4. BTW, jury is still out on Elan. They seem to have possibly gone downhill recently.