I'm am electrical contractor and have worked on proprietary systems(LiteTouch, Lutron) and yes they are expensive and sometimes you have to hire their people to troubleshoot problems or program new hardware. You also have to buy the products from authorized resellers who know there's no competition and sell everything at list price. If you're comfortable with Insteon I'd say go for it. Even the expensive systems aren't bullet proof, I've spent days at a famous rappers house trying to fix problems, it got so bad his daughter didn't want to stay there because she thought it was haunted. Another drawback of proprietary system is you can't just override, or install a standard switch to make do till parts arrive.