Some option to go

Or roman shades, bamboo blinds.

Or with two or four panels.

or lower

Thank you for the ideas!!! They are very helpful with the editing.

BTW, I live in Oklahoma.

This is the model house but we are building our house using the same floor plan. We are making the decision about the window headers because I am concerned with the decorations. My husband likes the idea of the headers but I am not sure about it. I like them but again, I am thinking ahead and we will need privacy in the room.

My apologies, I completely misunderstood at first! I deleted my earlier posts because they don’t apply. :)

The trim is lovely and there are lots of ways to work with it, if you want. It’s just hard to be specific without knowing how the room will be decorated. You could certainly use roller shades, wood blinds, indoor shutters, etc for privacy, and then add curtains later. It all depends on your decor style.

My DD has these in her house. Someone I'm sure paid good $$ for them when the house was built but they are a PITA in bedrooms. If you plan on having drapes in bedrooms for light control , I would leave them off. We hung DD's drapes at the ceiling and can slide the drapes over the edges of the cornice.

I am not a fan of the crown molding piece that extends out from the wall. Here’s another option.

I vote with you for no header. I would explain to dear hubby that you want drapery panels that go to the ceiling and the header would be an obstacle. Also tell dear hubby that header will accumulate dust that he can be in charge of cleaning. Tell dear hubby that thicker crown moulding would be preferable over time, as you can afford it. I like Celery's panels but hung higher and without the header. I also like top-down bottom-up shades for privacy that allows you to not block the sky.